Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 1,627 |
| Cost of funding earning assets | 1.8473% | 1,165 |
| Net interest margin | 3.3744% | 2,461 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.3978% | 2,604 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.0639% | 2,025 |
| Return on assets (ROA) | 1.0639% | 1,997 |
| Pretax return on assets | 1.2778% | 1,937 |
| Return on Equity (ROE) | 9.8600% | 2,540 |
| Retained earnings to average equity (ytd only) | 3.5885% | 3,096 |
| Net charge-offs to loans | 0.3199% | 341 |
| Credit loss provision to net charge-offs | 48.3697% | 2,198 |
| Earnings coverage of net charge-offs (x) | 5.5295% | 2,523 |
| Efficiency ratio | 62.1643% | 2,814 |
| Assets per employee ($millions) | 7.6831% | 1,600 |
| Cash dividends to net income (ytd only)* | 63.6080% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,211 |
| Loan loss allowance to noncurrent loans | 502.5016% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 2,241 |
| Noncurrent loans to loans | 0.2417% | 2,340 |
| Net loans and leases to total assets | 79.8300% | 659 |
| Net loans and leases to deposits | 94.7208% | 887 |
| Net loans and leases to core deposits | 113.4358% | 830 |
| Total domestic deposits to total assets | 84.2800% | 2,545 |
| Equity capital to assets | 11.0925% | 1,434 |
| Core capital (leverage) ratio | 10.5592% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4070% | 1,721 |
| Memoranda: | ||
| Average total assets | $2,382,609,200 | 490 |
| Average earning assets | $2,203,827,000 | 481 |
| Average equity | $257,072,000 | 443 |
| Average total loans | $1,917,280,000 | 420 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0564% | 1,719 |
| Cost of funding earning assets | 1.7007% | 1,184 |
| Net interest margin | 3.3557% | 2,555 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.3404% | 2,675 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0740% | 2,133 |
| Return on assets (ROA) | 1.0740% | 2,122 |
| Pretax return on assets | 1.3220% | 1,973 |
| Return on Equity (ROE) | 10.0200% | 2,629 |
| Retained earnings to average equity (ytd only) | 5.7240% | 2,712 |
| Net charge-offs to loans | 0.4130% | 203 |
| Credit loss provision to net charge-offs | 40.1145% | 1,933 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 2,401 |
| Efficiency ratio | 61.0747% | 2,834 |
| Assets per employee ($millions) | 7.7737% | 1,469 |
| Cash dividends to net income (ytd only)* | 42.8966% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,457 |
| Loan loss allowance to noncurrent loans | 489.8867% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 2,282 |
| Noncurrent loans to loans | 0.2414% | 2,380 |
| Net loans and leases to total assets | 80.2300% | 613 |
| Net loans and leases to deposits | 94.7112% | 845 |
| Net loans and leases to core deposits | 114.0191% | 726 |
| Total domestic deposits to total assets | 84.7100% | 2,595 |
| Equity capital to assets | 10.8579% | 1,404 |
| Core capital (leverage) ratio | 10.6630% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3569% | 1,768 |
| Memoranda: | ||
| Average total assets | $2,384,738,500 | 495 |
| Average earning assets | $2,206,009,000 | 483 |
| Average equity | $255,503,250 | 443 |
| Average total loans | $1,916,944,250 | 421 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8757% | 1,824 |
| Cost of funding earning assets | 1.5519% | 1,159 |
| Net interest margin | 3.3238% | 2,702 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.3577% | 2,630 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.0621% | 2,229 |
| Return on assets (ROA) | 1.0621% | 2,227 |
| Pretax return on assets | 1.3133% | 2,045 |
| Return on Equity (ROE) | 9.9600% | 2,712 |
| Retained earnings to average equity (ytd only) | 3.5714% | 3,326 |
| Net charge-offs to loans | 0.0253% | 1,380 |
| Credit loss provision to net charge-offs | 474.3802% | 672 |
| Earnings coverage of net charge-offs (x) | 69.4380% | 1,120 |
| Efficiency ratio | 61.9920% | 2,716 |
| Assets per employee ($millions) | 7.5762% | 1,561 |
| Cash dividends to net income (ytd only)* | 64.1340% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4314% | 1,416 |
| Loan loss allowance to noncurrent loans | 526.4038% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,090 |
| Noncurrent loans to loans | 0.2719% | 2,182 |
| Net loans and leases to total assets | 79.2400% | 710 |
| Net loans and leases to deposits | 93.8732% | 880 |
| Net loans and leases to core deposits | 111.0447% | 781 |
| Total domestic deposits to total assets | 84.4100% | 2,720 |
| Equity capital to assets | 10.7530% | 1,487 |
| Core capital (leverage) ratio | 10.3184% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1236% | 1,840 |
| Memoranda: | ||
| Average total assets | $2,384,144,667 | 482 |
| Average earning assets | $2,205,150,000 | 473 |
| Average equity | $254,296,000 | 436 |
| Average total loans | $1,910,039,667 | 406 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 2,082 |
| Cost of funding earning assets | 1.3818% | 1,059 |
| Net interest margin | 3.2194% | 3,067 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.2877% | 2,851 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9804% | 2,592 |
| Return on assets (ROA) | 0.9804% | 2,565 |
| Pretax return on assets | 1.2267% | 2,360 |
| Return on Equity (ROE) | 9.2300% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.4963% | 3,130 |
| Net charge-offs to loans | 0.0224% | 1,235 |
| Credit loss provision to net charge-offs | 808.4112% | 412 |
| Earnings coverage of net charge-offs (x) | 76.4953% | 912 |
| Efficiency ratio | 61.9069% | 2,714 |
| Assets per employee ($millions) | 7.5951% | 1,563 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,526 |
| Loan loss allowance to noncurrent loans | 570.5597% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 2,140 |
| Noncurrent loans to loans | 0.2495% | 2,256 |
| Net loans and leases to total assets | 78.7000% | 686 |
| Net loans and leases to deposits | 93.0117% | 849 |
| Net loans and leases to core deposits | 106.4721% | 820 |
| Total domestic deposits to total assets | 84.6100% | 2,951 |
| Equity capital to assets | 10.7441% | 1,433 |
| Core capital (leverage) ratio | 10.3687% | 2,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0286% | 1,968 |
| Memoranda: | ||
| Average total assets | $2,386,853,000 | 492 |
| Average earning assets | $2,206,902,000 | 484 |
| Average equity | $253,541,000 | 448 |
| Average total loans | $1,908,892,000 | 414 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1579% | 1,333 |
| Cost of funding earning assets | 0.6124% | 853 |
| Net interest margin | 3.5455% | 1,797 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.3587% | 2,553 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.1677% | 1,902 |
| Return on assets (ROA) | 1.1681% | 1,836 |
| Pretax return on assets | 1.4776% | 1,522 |
| Return on Equity (ROE) | 10.9200% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.4430% | 2,472 |
| Net charge-offs to loans | 0.0757% | 891 |
| Credit loss provision to net charge-offs | 299.3622% | 917 |
| Earnings coverage of net charge-offs (x) | 27.3969% | 1,734 |
| Efficiency ratio | 58.1517% | 3,316 |
| Assets per employee ($millions) | 7.6809% | 1,501 |
| Cash dividends to net income (ytd only)* | 40.9827% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 1,731 |
| Loan loss allowance to noncurrent loans | 467.5223% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 1,991 |
| Noncurrent loans to loans | 0.2861% | 2,120 |
| Net loans and leases to total assets | 79.0400% | 690 |
| Net loans and leases to deposits | 92.9567% | 851 |
| Net loans and leases to core deposits | 104.9374% | 790 |
| Total domestic deposits to total assets | 85.0300% | 2,988 |
| Equity capital to assets | 10.5017% | 1,449 |
| Core capital (leverage) ratio | 10.1810% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8331% | 2,040 |
| Memoranda: | ||
| Average total assets | $2,331,178,400 | 487 |
| Average earning assets | $2,150,386,200 | 478 |
| Average equity | $249,432,600 | 440 |
| Average total loans | $1,864,532,200 | 399 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 1,217 |
| Cost of funding earning assets | 0.4848% | 814 |
| Net interest margin | 3.5411% | 1,544 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.2756% | 2,703 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.2169% | 1,647 |
| Return on assets (ROA) | 1.2174% | 1,616 |
| Pretax return on assets | 1.5287% | 1,330 |
| Return on Equity (ROE) | 11.3200% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.5880% | 1,461 |
| Net charge-offs to loans | 0.0879% | 692 |
| Credit loss provision to net charge-offs | 293.7705% | 823 |
| Earnings coverage of net charge-offs (x) | 24.6836% | 1,623 |
| Efficiency ratio | 56.1748% | 3,612 |
| Assets per employee ($millions) | 7.4247% | 1,661 |
| Cash dividends to net income (ytd only)* | 15.3286% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,004 |
| Loan loss allowance to noncurrent loans | 496.0873% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 2,115 |
| Noncurrent loans to loans | 0.2630% | 2,324 |
| Net loans and leases to total assets | 81.8700% | 383 |
| Net loans and leases to deposits | 96.3628% | 540 |
| Net loans and leases to core deposits | 107.6483% | 544 |
| Total domestic deposits to total assets | 84.9600% | 3,298 |
| Equity capital to assets | 10.7894% | 1,256 |
| Core capital (leverage) ratio | 10.6174% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7862% | 2,135 |
| Memoranda: | ||
| Average total assets | $2,314,863,000 | 486 |
| Average earning assets | $2,134,789,250 | 481 |
| Average equity | $248,874,000 | 446 |
| Average total loans | $1,850,700,750 | 400 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 1,100 |
| Cost of funding earning assets | 0.4307% | 759 |
| Net interest margin | 3.4784% | 1,375 |
| Noninterest income to average assets | 0.7350% | 1,217 |
| Noninterest expense to average assets | 2.2489% | 2,708 |
| Loan and lease loss provision to assets | 0.2117% | 380 |
| Net operating income to assets | 1.1769% | 1,511 |
| Return on assets (ROA) | 1.1778% | 1,483 |
| Pretax return on assets | 1.4809% | 1,224 |
| Return on Equity (ROE) | 10.9684% | 1,988 |
| Retained earnings to average equity (ytd only) | 8.4521% | 1,457 |
| Net charge-offs to loans | 0.0504% | 888 |
| Credit loss provision to net charge-offs | 532.6797% | 610 |
| Earnings coverage of net charge-offs (x) | 42.5534% | 1,230 |
| Efficiency ratio | 56.4879% | 3,724 |
| Assets per employee ($millions) | 7.1537% | 1,841 |
| Cash dividends to net income (ytd only)* | 22.9412% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,023 |
| Loan loss allowance to noncurrent loans | 370.8999% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 1,805 |
| Noncurrent loans to loans | 0.3600% | 2,068 |
| Net loans and leases to total assets | 81.7504% | 298 |
| Net loans and leases to deposits | 96.5593% | 407 |
| Net loans and leases to core deposits | 105.0902% | 477 |
| Total domestic deposits to total assets | 84.6634% | 3,555 |
| Equity capital to assets | 10.9694% | 1,225 |
| Core capital (leverage) ratio | 10.3991% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7462% | 2,182 |
| Memoranda: | ||
| Average total assets | $2,309,360,333 | 480 |
| Average earning assets | $2,128,157,667 | 484 |
| Average equity | $247,985,000 | 447 |
| Average total loans | $1,822,983,667 | 395 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 1,128 |
| Cost of funding earning assets | 0.4362% | 702 |
| Net interest margin | 3.3420% | 1,464 |
| Noninterest income to average assets | 0.7330% | 1,212 |
| Noninterest expense to average assets | 2.2576% | 2,661 |
| Loan and lease loss provision to assets | 0.1963% | 370 |
| Net operating income to assets | 1.0901% | 1,551 |
| Return on assets (ROA) | 1.0907% | 1,550 |
| Pretax return on assets | 1.3658% | 1,341 |
| Return on Equity (ROE) | 10.2630% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.2630% | 955 |
| Net charge-offs to loans | 0.0550% | 750 |
| Credit loss provision to net charge-offs | 463.3065% | 541 |
| Earnings coverage of net charge-offs (x) | 36.8468% | 1,041 |
| Efficiency ratio | 58.5190% | 3,631 |
| Assets per employee ($millions) | 7.5153% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,222 |
| Loan loss allowance to noncurrent loans | 293.8072% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 1,617 |
| Noncurrent loans to loans | 0.4523% | 1,897 |
| Net loans and leases to total assets | 76.4896% | 471 |
| Net loans and leases to deposits | 90.1803% | 503 |
| Net loans and leases to core deposits | 96.9737% | 614 |
| Total domestic deposits to total assets | 84.8185% | 3,583 |
| Equity capital to assets | 10.7680% | 1,459 |
| Core capital (leverage) ratio | 10.2063% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6577% | 2,360 |
| Memoranda: | ||
| Average total assets | $2,340,904,500 | 475 |
| Average earning assets | $2,161,572,000 | 477 |
| Average equity | $248,776,000 | 455 |
| Average total loans | $1,803,880,000 | 394 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 1,337 |
| Cost of funding earning assets | 0.6445% | 433 |
| Net interest margin | 3.3664% | 2,126 |
| Noninterest income to average assets | 0.8269% | 1,386 |
| Noninterest expense to average assets | 2.3054% | 2,779 |
| Loan and lease loss provision to assets | 0.1803% | 640 |
| Net operating income to assets | 1.1634% | 2,044 |
| Return on assets (ROA) | 1.1617% | 2,115 |
| Pretax return on assets | 1.4430% | 1,905 |
| Return on Equity (ROE) | 10.4601% | 2,364 |
| Retained earnings to average equity (ytd only) | -2.7456% | 4,649 |
| Net charge-offs to loans | 0.0547% | 1,243 |
| Credit loss provision to net charge-offs | 413.0435% | 896 |
| Earnings coverage of net charge-offs (x) | 37.2430% | 1,472 |
| Efficiency ratio | 58.6486% | 3,336 |
| Assets per employee ($millions) | 6.9841% | 1,936 |
| Cash dividends to net income (ytd only)* | 126.2481% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2570% | 2,588 |
| Loan loss allowance to noncurrent loans | 286.8180% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 1,799 |
| Noncurrent loans to loans | 0.4383% | 2,041 |
| Net loans and leases to total assets | 75.6485% | 538 |
| Net loans and leases to deposits | 89.2748% | 594 |
| Net loans and leases to core deposits | 96.7171% | 665 |
| Total domestic deposits to total assets | 84.7366% | 3,348 |
| Equity capital to assets | 10.4907% | 2,184 |
| Core capital (leverage) ratio | 9.8438% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0472% | 2,613 |
| Memoranda: | ||
| Average total assets | $2,055,235,800 | 517 |
| Average earning assets | $1,895,011,200 | 520 |
| Average equity | $228,256,800 | 483 |
| Average total loans | $1,639,494,000 | 428 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 1,528 |
| Cost of funding earning assets | 0.6894% | 404 |
| Net interest margin | 3.3130% | 2,380 |
| Noninterest income to average assets | 0.7508% | 1,670 |
| Noninterest expense to average assets | 2.1379% | 3,253 |
| Loan and lease loss provision to assets | 0.1549% | 714 |
| Net operating income to assets | 1.2042% | 2,157 |
| Return on assets (ROA) | 1.2043% | 2,217 |
| Pretax return on assets | 1.5127% | 1,965 |
| Return on Equity (ROE) | 10.6661% | 2,491 |
| Retained earnings to average equity (ytd only) | -2.6183% | 4,724 |
| Net charge-offs to loans | 0.0546% | 1,108 |
| Credit loss provision to net charge-offs | 351.3017% | 928 |
| Earnings coverage of net charge-offs (x) | 37.8315% | 1,403 |
| Efficiency ratio | 56.1823% | 3,506 |
| Assets per employee ($millions) | 6.5654% | 2,196 |
| Cash dividends to net income (ytd only)* | 124.5474% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 3,088 |
| Loan loss allowance to noncurrent loans | 287.2022% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 2,095 |
| Noncurrent loans to loans | 0.4101% | 2,331 |
| Net loans and leases to total assets | 79.9170% | 295 |
| Net loans and leases to deposits | 95.1393% | 374 |
| Net loans and leases to core deposits | 103.9433% | 457 |
| Total domestic deposits to total assets | 83.9999% | 3,453 |
| Equity capital to assets | 11.0516% | 1,977 |
| Core capital (leverage) ratio | 11.2047% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0958% | 2,680 |
| Memoranda: | ||
| Average total assets | $1,975,395,500 | 542 |
| Average earning assets | $1,821,251,500 | 544 |
| Average equity | $223,043,000 | 494 |
| Average total loans | $1,594,564,000 | 447 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 1,595 |
| Cost of funding earning assets | 0.7620% | 347 |
| Net interest margin | 3.2245% | 2,681 |
| Noninterest income to average assets | 0.7696% | 1,617 |
| Noninterest expense to average assets | 2.1681% | 3,192 |
| Loan and lease loss provision to assets | 0.1578% | 734 |
| Net operating income to assets | 1.1366% | 2,409 |
| Return on assets (ROA) | 1.1366% | 2,474 |
| Pretax return on assets | 1.4199% | 2,272 |
| Return on Equity (ROE) | 9.9810% | 2,745 |
| Retained earnings to average equity (ytd only) | 9.8770% | 1,434 |
| Net charge-offs to loans | -0.0024% | 3,228 |
| Credit loss provision to net charge-offs | -8,216.6667% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8818% | 3,302 |
| Assets per employee ($millions) | 6.8638% | 1,897 |
| Cash dividends to net income (ytd only)* | 1.0420% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,015 |
| Loan loss allowance to noncurrent loans | 530.8298% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 2,844 |
| Noncurrent loans to loans | 0.2622% | 3,000 |
| Net loans and leases to total assets | 82.1016% | 212 |
| Net loans and leases to deposits | 97.7539% | 320 |
| Net loans and leases to core deposits | 106.6047% | 452 |
| Total domestic deposits to total assets | 83.9880% | 3,444 |
| Equity capital to assets | 11.7556% | 1,487 |
| Core capital (leverage) ratio | 11.1233% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5640% | 2,139 |
| Memoranda: | ||
| Average total assets | $1,874,459,000 | 565 |
| Average earning assets | $1,730,085,000 | 563 |
| Average equity | $213,464,667 | 506 |
| Average total loans | $1,511,961,000 | 476 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 1,672 |
| Cost of funding earning assets | 0.8002% | 346 |
| Net interest margin | 3.1617% | 2,805 |
| Noninterest income to average assets | 0.7411% | 1,742 |
| Noninterest expense to average assets | 2.1400% | 3,302 |
| Loan and lease loss provision to assets | 0.1650% | 762 |
| Net operating income to assets | 1.0846% | 2,527 |
| Return on assets (ROA) | 1.0846% | 2,601 |
| Pretax return on assets | 1.3556% | 2,412 |
| Return on Equity (ROE) | 9.6782% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.6782% | 1,746 |
| Net charge-offs to loans | -0.0155% | 3,875 |
| Credit loss provision to net charge-offs | -1,337.9310% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4611% | 3,240 |
| Assets per employee ($millions) | 7.0495% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,975 |
| Loan loss allowance to noncurrent loans | 466.5104% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,930 |
| Noncurrent loans to loans | 0.2992% | 3,025 |
| Net loans and leases to total assets | 78.1184% | 461 |
| Net loans and leases to deposits | 92.3724% | 575 |
| Net loans and leases to core deposits | 101.3086% | 657 |
| Total domestic deposits to total assets | 84.5690% | 3,258 |
| Equity capital to assets | 11.2677% | 1,674 |
| Core capital (leverage) ratio | 11.0203% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6533% | 2,017 |
| Memoranda: | ||
| Average total assets | $1,881,644,000 | 562 |
| Average earning assets | $1,737,545,000 | 555 |
| Average equity | $210,865,000 | 505 |
| Average total loans | $1,493,582,000 | 482 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3609% | 1,691 |
| Cost of funding earning assets | 1.1377% | 350 |
| Net interest margin | 3.2232% | 3,293 |
| Noninterest income to average assets | 0.7706% | 1,624 |
| Noninterest expense to average assets | 2.3415% | 3,293 |
| Loan and lease loss provision to assets | 0.2166% | 1,815 |
| Net operating income to assets | 0.9527% | 2,470 |
| Return on assets (ROA) | 0.9551% | 2,607 |
| Pretax return on assets | 1.1815% | 2,397 |
| Return on Equity (ROE) | 8.8593% | 2,452 |
| Retained earnings to average equity (ytd only) | 5.5149% | 2,034 |
| Net charge-offs to loans | 0.2629% | 660 |
| Credit loss provision to net charge-offs | 103.9846% | 2,777 |
| Earnings coverage of net charge-offs (x) | 6.6974% | 2,754 |
| Efficiency ratio | 62.6643% | 3,025 |
| Assets per employee ($millions) | 7.0452% | 1,553 |
| Cash dividends to net income (ytd only)* | 37.7502% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 2,209 |
| Loan loss allowance to noncurrent loans | 432.2344% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 3,020 |
| Noncurrent loans to loans | 0.3114% | 3,090 |
| Net loans and leases to total assets | 78.4593% | 557 |
| Net loans and leases to deposits | 93.3959% | 696 |
| Net loans and leases to core deposits | 102.6750% | 781 |
| Total domestic deposits to total assets | 84.0072% | 3,105 |
| Equity capital to assets | 11.1447% | 2,138 |
| Core capital (leverage) ratio | 10.7841% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6949% | 1,974 |
| Memoranda: | ||
| Average total assets | $1,746,983,400 | 542 |
| Average earning assets | $1,607,591,800 | 538 |
| Average equity | $188,345,200 | 535 |
| Average total loans | $1,384,273,400 | 485 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 1,825 |
| Cost of funding earning assets | 1.2019% | 370 |
| Net interest margin | 3.2087% | 3,463 |
| Noninterest income to average assets | 0.7468% | 1,656 |
| Noninterest expense to average assets | 2.2692% | 3,500 |
| Loan and lease loss provision to assets | 0.2547% | 1,596 |
| Net operating income to assets | 0.9338% | 2,587 |
| Return on assets (ROA) | 0.9368% | 2,706 |
| Pretax return on assets | 1.1762% | 2,467 |
| Return on Equity (ROE) | 8.7697% | 2,488 |
| Retained earnings to average equity (ytd only) | 7.5158% | 1,491 |
| Net charge-offs to loans | 0.2995% | 525 |
| Credit loss provision to net charge-offs | 107.3770% | 2,570 |
| Earnings coverage of net charge-offs (x) | 6.0197% | 2,686 |
| Efficiency ratio | 61.3896% | 3,162 |
| Assets per employee ($millions) | 6.7660% | 1,645 |
| Cash dividends to net income (ytd only)* | 14.2976% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,764 |
| Loan loss allowance to noncurrent loans | 826.3849% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1514% | 3,659 |
| Noncurrent loans to loans | 0.1685% | 3,706 |
| Net loans and leases to total assets | 79.8363% | 632 |
| Net loans and leases to deposits | 94.6973% | 869 |
| Net loans and leases to core deposits | 105.3286% | 871 |
| Total domestic deposits to total assets | 84.3069% | 2,709 |
| Equity capital to assets | 10.5699% | 2,730 |
| Core capital (leverage) ratio | 10.0397% | 2,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8985% | 2,248 |
| Memoranda: | ||
| Average total assets | $1,715,222,750 | 540 |
| Average earning assets | $1,576,732,750 | 539 |
| Average equity | $183,218,000 | 543 |
| Average total loans | $1,357,740,000 | 484 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4569% | 2,048 |
| Cost of funding earning assets | 1.2689% | 407 |
| Net interest margin | 3.1880% | 3,705 |
| Noninterest income to average assets | 1.0768% | 862 |
| Noninterest expense to average assets | 2.2966% | 3,523 |
| Loan and lease loss provision to assets | 0.5122% | 680 |
| Net operating income to assets | 0.9466% | 2,507 |
| Return on assets (ROA) | 0.9480% | 2,633 |
| Pretax return on assets | 1.1946% | 2,385 |
| Return on Equity (ROE) | 8.8378% | 2,429 |
| Retained earnings to average equity (ytd only) | 7.0601% | 1,634 |
| Net charge-offs to loans | 0.3734% | 426 |
| Credit loss provision to net charge-offs | 174.5968% | 2,017 |
| Earnings coverage of net charge-offs (x) | 5.8121% | 2,487 |
| Efficiency ratio | 57.3916% | 3,765 |
| Assets per employee ($millions) | 6.7626% | 1,588 |
| Cash dividends to net income (ytd only)* | 20.1148% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,152 |
| Loan loss allowance to noncurrent loans | 627.9284% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 3,536 |
| Noncurrent loans to loans | 0.2451% | 3,499 |
| Net loans and leases to total assets | 77.1046% | 983 |
| Net loans and leases to deposits | 94.0593% | 960 |
| Net loans and leases to core deposits | 106.2781% | 884 |
| Total domestic deposits to total assets | 81.9744% | 3,379 |
| Equity capital to assets | 10.2363% | 2,975 |
| Core capital (leverage) ratio | 9.8099% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5253% | 2,388 |
| Memoranda: | ||
| Average total assets | $1,690,763,667 | 540 |
| Average earning assets | $1,551,213,333 | 536 |
| Average equity | $181,356,333 | 547 |
| Average total loans | $1,328,252,000 | 488 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7041% | 1,699 |
| Cost of funding earning assets | 1.3850% | 423 |
| Net interest margin | 3.3191% | 3,549 |
| Noninterest income to average assets | 0.8542% | 1,157 |
| Noninterest expense to average assets | 2.3824% | 3,574 |
| Loan and lease loss provision to assets | 0.1844% | 1,624 |
| Net operating income to assets | 1.0504% | 2,004 |
| Return on assets (ROA) | 1.0506% | 2,101 |
| Pretax return on assets | 1.3212% | 1,811 |
| Return on Equity (ROE) | 9.5535% | 1,889 |
| Retained earnings to average equity (ytd only) | 9.5535% | 832 |
| Net charge-offs to loans | 0.5654% | 263 |
| Credit loss provision to net charge-offs | 41.4419% | 2,092 |
| Earnings coverage of net charge-offs (x) | 3.3830% | 2,220 |
| Efficiency ratio | 61.2787% | 3,577 |
| Assets per employee ($millions) | 6.1406% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,504 |
| Loan loss allowance to noncurrent loans | 440.5702% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,349 |
| Noncurrent loans to loans | 0.3308% | 3,307 |
| Net loans and leases to total assets | 77.7565% | 1,013 |
| Net loans and leases to deposits | 93.8907% | 1,091 |
| Net loans and leases to core deposits | 108.3880% | 929 |
| Total domestic deposits to total assets | 82.8160% | 3,167 |
| Equity capital to assets | 11.0891% | 2,785 |
| Core capital (leverage) ratio | 10.5764% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3290% | 2,134 |
| Memoranda: | ||
| Average total assets | $1,633,333,500 | 537 |
| Average earning assets | $1,492,822,500 | 530 |
| Average equity | $179,620,000 | 547 |
| Average total loans | $1,285,386,500 | 484 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,920 |
| Cost of funding earning assets | 1.4353% | 491 |
| Net interest margin | 3.4069% | 3,725 |
| Noninterest income to average assets | 1.0056% | 964 |
| Noninterest expense to average assets | 2.3327% | 3,863 |
| Loan and lease loss provision to assets | 0.2548% | 708 |
| Net operating income to assets | 1.2209% | 1,978 |
| Return on assets (ROA) | 1.2227% | 2,060 |
| Pretax return on assets | 1.5517% | 1,644 |
| Return on Equity (ROE) | 11.6611% | 1,634 |
| Retained earnings to average equity (ytd only) | 7.4166% | 1,199 |
| Net charge-offs to loans | 0.1064% | 1,664 |
| Credit loss provision to net charge-offs | 302.1692% | 918 |
| Earnings coverage of net charge-offs (x) | 21.3948% | 1,892 |
| Efficiency ratio | 56.3874% | 4,159 |
| Assets per employee ($millions) | 6.0941% | 1,561 |
| Cash dividends to net income (ytd only)* | 36.3985% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,066 |
| Loan loss allowance to noncurrent loans | 344.1929% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 2,960 |
| Noncurrent loans to loans | 0.4531% | 2,815 |
| Net loans and leases to total assets | 77.2623% | 1,212 |
| Net loans and leases to deposits | 93.2342% | 1,222 |
| Net loans and leases to core deposits | 108.3994% | 951 |
| Total domestic deposits to total assets | 82.8691% | 3,241 |
| Equity capital to assets | 10.9045% | 3,091 |
| Core capital (leverage) ratio | 10.1178% | 3,394 |
| Tier 1 risk-based capital ratio | 13.3060% | 3,629 |
| Total risk-based capital ratio | 14.5605% | 3,505 |
| Memoranda: | ||
| Average total assets | $1,640,018,600 | 519 |
| Average earning assets | $1,507,342,600 | 511 |
| Average equity | $171,965,400 | 537 |
| Average total loans | $1,300,273,600 | 463 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 2,058 |
| Cost of funding earning assets | 1.4130% | 555 |
| Net interest margin | 3.4078% | 3,848 |
| Noninterest income to average assets | 1.0088% | 924 |
| Noninterest expense to average assets | 2.2036% | 4,173 |
| Loan and lease loss provision to assets | 0.2935% | 507 |
| Net operating income to assets | 1.2814% | 1,918 |
| Return on assets (ROA) | 1.2838% | 1,994 |
| Pretax return on assets | 1.6489% | 1,474 |
| Return on Equity (ROE) | 12.3655% | 1,496 |
| Retained earnings to average equity (ytd only) | 11.0189% | 525 |
| Net charge-offs to loans | 0.0586% | 1,987 |
| Credit loss provision to net charge-offs | 630.1394% | 518 |
| Earnings coverage of net charge-offs (x) | 41.6413% | 1,336 |
| Efficiency ratio | 53.1893% | 4,476 |
| Assets per employee ($millions) | 6.2137% | 1,452 |
| Cash dividends to net income (ytd only)* | 10.8899% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,163 |
| Loan loss allowance to noncurrent loans | 386.5414% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 3,245 |
| Noncurrent loans to loans | 0.3960% | 3,123 |
| Net loans and leases to total assets | 77.8813% | 1,164 |
| Net loans and leases to deposits | 95.3283% | 1,094 |
| Net loans and leases to core deposits | 112.0511% | 843 |
| Total domestic deposits to total assets | 81.6980% | 3,560 |
| Equity capital to assets | 10.7287% | 3,353 |
| Core capital (leverage) ratio | 10.2731% | 3,332 |
| Tier 1 risk-based capital ratio | 13.0216% | 3,836 |
| Total risk-based capital ratio | 14.2758% | 3,737 |
| Memoranda: | ||
| Average total assets | $1,643,243,250 | 518 |
| Average earning assets | $1,511,318,250 | 510 |
| Average equity | $170,599,500 | 544 |
| Average total loans | $1,306,075,500 | 461 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7526% | 2,213 |
| Cost of funding earning assets | 1.3752% | 587 |
| Net interest margin | 3.3775% | 3,963 |
| Noninterest income to average assets | 1.0933% | 713 |
| Noninterest expense to average assets | 2.2248% | 4,181 |
| Loan and lease loss provision to assets | 0.3981% | 303 |
| Net operating income to assets | 1.2223% | 2,064 |
| Return on assets (ROA) | 1.2250% | 2,116 |
| Pretax return on assets | 1.5796% | 1,607 |
| Return on Equity (ROE) | 11.9348% | 1,601 |
| Retained earnings to average equity (ytd only) | 10.0147% | 752 |
| Net charge-offs to loans | 0.0275% | 2,305 |
| Credit loss provision to net charge-offs | 1,818.9944% | 209 |
| Earnings coverage of net charge-offs (x) | 90.2123% | 744 |
| Efficiency ratio | 52.9843% | 4,567 |
| Assets per employee ($millions) | 6.0701% | 1,494 |
| Cash dividends to net income (ytd only)* | 16.0878% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,159 |
| Loan loss allowance to noncurrent loans | 592.2581% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 3,470 |
| Noncurrent loans to loans | 0.2601% | 3,600 |
| Net loans and leases to total assets | 79.3635% | 991 |
| Net loans and leases to deposits | 97.2907% | 907 |
| Net loans and leases to core deposits | 114.9503% | 730 |
| Total domestic deposits to total assets | 81.5735% | 3,645 |
| Equity capital to assets | 10.6208% | 3,415 |
| Core capital (leverage) ratio | 10.0217% | 3,564 |
| Tier 1 risk-based capital ratio | 12.7545% | 3,975 |
| Total risk-based capital ratio | 14.0089% | 3,879 |
| Memoranda: | ||
| Average total assets | $1,635,903,330 | 517 |
| Average earning assets | $1,504,257,670 | 511 |
| Average equity | $167,912,330 | 549 |
| Average total loans | $1,302,404,000 | 461 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,330 |
| Cost of funding earning assets | 1.3240% | 608 |
| Net interest margin | 3.3420% | 4,056 |
| Noninterest income to average assets | 1.0829% | 682 |
| Noninterest expense to average assets | 2.2128% | 4,232 |
| Loan and lease loss provision to assets | 0.4899% | 221 |
| Net operating income to assets | 1.1246% | 2,373 |
| Return on assets (ROA) | 1.1248% | 2,419 |
| Pretax return on assets | 1.4535% | 1,907 |
| Return on Equity (ROE) | 11.1506% | 1,890 |
| Retained earnings to average equity (ytd only) | 11.1506% | 770 |
| Net charge-offs to loans | 0.0472% | 1,605 |
| Credit loss provision to net charge-offs | 1,313.0719% | 293 |
| Earnings coverage of net charge-offs (x) | 52.0850% | 997 |
| Efficiency ratio | 53.2445% | 4,599 |
| Assets per employee ($millions) | 6.3928% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,434 |
| Loan loss allowance to noncurrent loans | 1,290.8163% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1553% | 4,029 |
| Noncurrent loans to loans | 0.1139% | 4,230 |
| Net loans and leases to total assets | 76.7795% | 1,349 |
| Net loans and leases to deposits | 94.9464% | 1,066 |
| Net loans and leases to core deposits | 111.3408% | 869 |
| Total domestic deposits to total assets | 80.8661% | 3,995 |
| Equity capital to assets | 10.1647% | 3,664 |
| Core capital (leverage) ratio | 9.7701% | 3,844 |
| Tier 1 risk-based capital ratio | 12.4330% | 4,215 |
| Total risk-based capital ratio | 13.6863% | 4,073 |
| Memoranda: | ||
| Average total assets | $1,640,465,500 | 519 |
| Average earning assets | $1,508,430,000 | 512 |
| Average equity | $165,480,000 | 554 |
| Average total loans | $1,297,974,000 | 463 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 2,024 |
| Cost of funding earning assets | 1.0949% | 503 |
| Net interest margin | 3.5444% | 3,561 |
| Noninterest income to average assets | 0.9220% | 1,126 |
| Noninterest expense to average assets | 2.2459% | 4,231 |
| Loan and lease loss provision to assets | 0.5140% | 228 |
| Net operating income to assets | 1.1986% | 2,175 |
| Return on assets (ROA) | 1.1987% | 2,173 |
| Pretax return on assets | 1.4577% | 1,922 |
| Return on Equity (ROE) | 11.4530% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.7774% | 944 |
| Net charge-offs to loans | 0.3911% | 482 |
| Credit loss provision to net charge-offs | 161.1615% | 1,723 |
| Earnings coverage of net charge-offs (x) | 6.1816% | 3,115 |
| Efficiency ratio | 53.2522% | 4,692 |
| Assets per employee ($millions) | 6.2030% | 1,388 |
| Cash dividends to net income (ytd only)* | 23.3615% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 1,986 |
| Loan loss allowance to noncurrent loans | 721.4496% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 3,434 |
| Noncurrent loans to loans | 0.1817% | 3,936 |
| Net loans and leases to total assets | 79.2882% | 1,053 |
| Net loans and leases to deposits | 98.7825% | 829 |
| Net loans and leases to core deposits | 116.0966% | 681 |
| Total domestic deposits to total assets | 80.2654% | 4,049 |
| Equity capital to assets | 10.0086% | 3,677 |
| Core capital (leverage) ratio | 9.3609% | 4,285 |
| Tier 1 risk-based capital ratio | 12.0599% | 4,391 |
| Total risk-based capital ratio | 13.3113% | 4,272 |
| Memoranda: | ||
| Average total assets | $1,452,323,000 | 558 |
| Average earning assets | $1,350,279,000 | 545 |
| Average equity | $152,004,000 | 562 |
| Average total loans | $1,184,372,400 | 490 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,227 |
| Cost of funding earning assets | 0.9991% | 598 |
| Net interest margin | 3.5213% | 3,628 |
| Noninterest income to average assets | 0.8566% | 1,316 |
| Noninterest expense to average assets | 2.0345% | 4,674 |
| Loan and lease loss provision to assets | 0.4645% | 259 |
| Net operating income to assets | 1.3436% | 1,687 |
| Return on assets (ROA) | 1.3438% | 1,699 |
| Pretax return on assets | 1.6434% | 1,436 |
| Return on Equity (ROE) | 12.6795% | 1,547 |
| Retained earnings to average equity (ytd only) | 12.4804% | 420 |
| Net charge-offs to loans | 0.2143% | 796 |
| Credit loss provision to net charge-offs | 264.6361% | 1,128 |
| Earnings coverage of net charge-offs (x) | 12.0081% | 2,479 |
| Efficiency ratio | 49.1171% | 4,992 |
| Assets per employee ($millions) | 5.9965% | 1,490 |
| Cash dividends to net income (ytd only)* | 1.5702% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,169 |
| Loan loss allowance to noncurrent loans | 283.8435% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 2,737 |
| Noncurrent loans to loans | 0.4526% | 3,033 |
| Net loans and leases to total assets | 81.6973% | 759 |
| Net loans and leases to deposits | 102.8165% | 610 |
| Net loans and leases to core deposits | 119.1765% | 599 |
| Total domestic deposits to total assets | 79.4594% | 4,222 |
| Equity capital to assets | 9.9700% | 3,679 |
| Core capital (leverage) ratio | 10.1086% | 3,511 |
| Tier 1 risk-based capital ratio | 11.7166% | 4,660 |
| Total risk-based capital ratio | 12.9678% | 4,545 |
| Memoranda: | ||
| Average total assets | $1,409,104,000 | 565 |
| Average earning assets | $1,314,783,000 | 557 |
| Average equity | $149,340,000 | 569 |
| Average total loans | $1,154,037,750 | 498 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4325% | 2,311 |
| Cost of funding earning assets | 0.9127% | 697 |
| Net interest margin | 3.5198% | 3,569 |
| Noninterest income to average assets | 0.7411% | 1,679 |
| Noninterest expense to average assets | 2.0031% | 4,795 |
| Loan and lease loss provision to assets | 0.3162% | 435 |
| Net operating income to assets | 1.4294% | 1,343 |
| Return on assets (ROA) | 1.4297% | 1,340 |
| Pretax return on assets | 1.7213% | 1,162 |
| Return on Equity (ROE) | 13.1718% | 1,310 |
| Retained earnings to average equity (ytd only) | 13.0173% | 376 |
| Net charge-offs to loans | 0.0944% | 1,404 |
| Credit loss provision to net charge-offs | 410.7004% | 805 |
| Earnings coverage of net charge-offs (x) | 26.4591% | 1,599 |
| Efficiency ratio | 49.5773% | 5,044 |
| Assets per employee ($millions) | 6.2297% | 1,317 |
| Cash dividends to net income (ytd only)* | 1.1735% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4291% | 1,648 |
| Loan loss allowance to noncurrent loans | 1,951.2285% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 4,708 |
| Noncurrent loans to loans | 0.0732% | 4,593 |
| Net loans and leases to total assets | 79.9344% | 1,035 |
| Net loans and leases to deposits | 103.4175% | 556 |
| Net loans and leases to core deposits | 118.5866% | 606 |
| Total domestic deposits to total assets | 77.2929% | 4,693 |
| Equity capital to assets | 10.8893% | 2,738 |
| Core capital (leverage) ratio | 11.3302% | 2,226 |
| Tier 1 risk-based capital ratio | 13.6296% | 3,545 |
| Total risk-based capital ratio | 14.8824% | 3,456 |
| Memoranda: | ||
| Average total assets | $1,335,125,670 | 589 |
| Average earning assets | $1,251,485,000 | 578 |
| Average equity | $144,915,330 | 583 |
| Average total loans | $1,088,765,330 | 515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 2,288 |
| Cost of funding earning assets | 0.8489% | 771 |
| Net interest margin | 3.5227% | 3,449 |
| Noninterest income to average assets | 0.7852% | 1,500 |
| Noninterest expense to average assets | 2.0164% | 4,822 |
| Loan and lease loss provision to assets | 0.2951% | 443 |
| Net operating income to assets | 1.4437% | 1,212 |
| Return on assets (ROA) | 1.4437% | 1,219 |
| Pretax return on assets | 1.7786% | 951 |
| Return on Equity (ROE) | 13.3238% | 1,177 |
| Retained earnings to average equity (ytd only) | 13.3238% | 475 |
| Net charge-offs to loans | 0.1028% | 1,168 |
| Credit loss provision to net charge-offs | 350.9025% | 739 |
| Earnings coverage of net charge-offs (x) | 24.6570% | 1,355 |
| Efficiency ratio | 49.2985% | 5,121 |
| Assets per employee ($millions) | 6.0596% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 1,869 |
| Loan loss allowance to noncurrent loans | 301.2668% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,287 |
| Noncurrent loans to loans | 0.4625% | 3,142 |
| Net loans and leases to total assets | 80.6310% | 849 |
| Net loans and leases to deposits | 100.6344% | 665 |
| Net loans and leases to core deposits | 113.6026% | 823 |
| Total domestic deposits to total assets | 80.1227% | 4,393 |
| Equity capital to assets | 10.9945% | 2,587 |
| Core capital (leverage) ratio | 11.1291% | 2,309 |
| Tier 1 risk-based capital ratio | 13.4173% | 3,710 |
| Total risk-based capital ratio | 14.6694% | 3,615 |
| Memoranda: | ||
| Average total assets | $1,317,417,500 | 599 |
| Average earning assets | $1,235,976,000 | 585 |
| Average equity | $142,752,000 | 599 |
| Average total loans | $1,077,439,000 | 525 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4578% | 1,853 |
| Cost of funding earning assets | 0.8014% | 618 |
| Net interest margin | 3.6564% | 2,963 |
| Noninterest income to average assets | 0.7210% | 1,881 |
| Noninterest expense to average assets | 2.1049% | 4,750 |
| Loan and lease loss provision to assets | 0.3092% | 549 |
| Net operating income to assets | 1.0628% | 2,004 |
| Return on assets (ROA) | 1.0629% | 2,029 |
| Pretax return on assets | 1.7531% | 889 |
| Return on Equity (ROE) | 10.4200% | 1,708 |
| Retained earnings to average equity (ytd only) | 8.0857% | 733 |
| Net charge-offs to loans | 0.3851% | 654 |
| Credit loss provision to net charge-offs | 95.9641% | 2,689 |
| Earnings coverage of net charge-offs (x) | 6.4006% | 3,186 |
| Efficiency ratio | 50.5143% | 5,194 |
| Assets per employee ($millions) | 6.4073% | 1,259 |
| Cash dividends to net income (ytd only)* | 22.4026% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,101 |
| Loan loss allowance to noncurrent loans | 211.2376% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,545 |
| Noncurrent loans to loans | 0.6264% | 2,652 |
| Net loans and leases to total assets | 80.7156% | 874 |
| Net loans and leases to deposits | 100.2506% | 709 |
| Net loans and leases to core deposits | 112.6679% | 860 |
| Total domestic deposits to total assets | 80.5138% | 4,245 |
| Equity capital to assets | 10.6776% | 2,964 |
| Core capital (leverage) ratio | 10.6055% | 2,736 |
| Tier 1 risk-based capital ratio | 13.1912% | 3,799 |
| Total risk-based capital ratio | 14.4426% | 3,718 |
| Memoranda: | ||
| Average total assets | $1,245,970,800 | 611 |
| Average earning assets | $1,174,234,200 | 598 |
| Average equity | $127,101,600 | 649 |
| Average total loans | $1,042,261,600 | 521 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 1,864 |
| Cost of funding earning assets | 0.7790% | 654 |
| Net interest margin | 3.6488% | 2,957 |
| Noninterest income to average assets | 0.7008% | 1,998 |
| Noninterest expense to average assets | 1.9869% | 4,983 |
| Loan and lease loss provision to assets | 0.2999% | 522 |
| Net operating income to assets | 1.2499% | 1,511 |
| Return on assets (ROA) | 1.2501% | 1,534 |
| Pretax return on assets | 1.8558% | 773 |
| Return on Equity (ROE) | 12.4106% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.7388% | 318 |
| Net charge-offs to loans | 0.2242% | 964 |
| Credit loss provision to net charge-offs | 158.9522% | 1,613 |
| Earnings coverage of net charge-offs (x) | 11.4237% | 2,505 |
| Efficiency ratio | 47.9664% | 5,342 |
| Assets per employee ($millions) | 6.4838% | 1,194 |
| Cash dividends to net income (ytd only)* | 5.4132% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,895 |
| Loan loss allowance to noncurrent loans | 1,837.6485% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1779% | 4,392 |
| Noncurrent loans to loans | 0.0761% | 4,769 |
| Net loans and leases to total assets | 82.8741% | 561 |
| Net loans and leases to deposits | 106.4347% | 396 |
| Net loans and leases to core deposits | 120.3404% | 579 |
| Total domestic deposits to total assets | 77.8637% | 4,754 |
| Equity capital to assets | 10.0563% | 3,852 |
| Core capital (leverage) ratio | 10.2563% | 3,249 |
| Tier 1 risk-based capital ratio | 12.0208% | 4,600 |
| Total risk-based capital ratio | 13.2730% | 4,490 |
| Memoranda: | ||
| Average total assets | $1,227,487,750 | 620 |
| Average earning assets | $1,157,732,500 | 606 |
| Average equity | $123,643,500 | 667 |
| Average total loans | $1,032,913,750 | 523 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 1,883 |
| Cost of funding earning assets | 0.7580% | 662 |
| Net interest margin | 3.6207% | 2,949 |
| Noninterest income to average assets | 0.6924% | 2,021 |
| Noninterest expense to average assets | 2.0731% | 4,822 |
| Loan and lease loss provision to assets | 0.2673% | 605 |
| Net operating income to assets | 1.1983% | 1,602 |
| Return on assets (ROA) | 1.1983% | 1,637 |
| Pretax return on assets | 1.7691% | 901 |
| Return on Equity (ROE) | 11.8887% | 1,333 |
| Retained earnings to average equity (ytd only) | 11.0422% | 434 |
| Net charge-offs to loans | 0.2535% | 807 |
| Credit loss provision to net charge-offs | 125.2739% | 1,724 |
| Earnings coverage of net charge-offs (x) | 9.5438% | 2,423 |
| Efficiency ratio | 50.4469% | 5,279 |
| Assets per employee ($millions) | 5.9804% | 1,480 |
| Cash dividends to net income (ytd only)* | 7.1200% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 2,023 |
| Loan loss allowance to noncurrent loans | 419.4208% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 3,852 |
| Noncurrent loans to loans | 0.3298% | 3,857 |
| Net loans and leases to total assets | 83.8557% | 462 |
| Net loans and leases to deposits | 107.0684% | 353 |
| Net loans and leases to core deposits | 119.1065% | 593 |
| Total domestic deposits to total assets | 78.3197% | 4,764 |
| Equity capital to assets | 10.2108% | 3,659 |
| Core capital (leverage) ratio | 10.4023% | 3,022 |
| Tier 1 risk-based capital ratio | 12.1038% | 4,566 |
| Total risk-based capital ratio | 13.3562% | 4,442 |
| Memoranda: | ||
| Average total assets | $1,197,910,330 | 631 |
| Average earning assets | $1,130,548,330 | 617 |
| Average equity | $120,737,000 | 686 |
| Average total loans | $1,008,459,000 | 540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 1,839 |
| Cost of funding earning assets | 0.7245% | 746 |
| Net interest margin | 3.6190% | 2,823 |
| Noninterest income to average assets | 0.6854% | 2,024 |
| Noninterest expense to average assets | 2.1620% | 4,736 |
| Loan and lease loss provision to assets | 0.2235% | 707 |
| Net operating income to assets | 1.1624% | 1,620 |
| Return on assets (ROA) | 1.1624% | 1,658 |
| Pretax return on assets | 1.7134% | 978 |
| Return on Equity (ROE) | 11.6149% | 1,363 |
| Retained earnings to average equity (ytd only) | 10.5891% | 679 |
| Net charge-offs to loans | 0.0658% | 1,673 |
| Credit loss provision to net charge-offs | 405.5901% | 648 |
| Earnings coverage of net charge-offs (x) | 35.1553% | 1,125 |
| Efficiency ratio | 52.7467% | 5,231 |
| Assets per employee ($millions) | 5.7005% | 1,722 |
| Cash dividends to net income (ytd only)* | 8.8313% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,760 |
| Loan loss allowance to noncurrent loans | 387.4741% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 3,883 |
| Noncurrent loans to loans | 0.3824% | 3,728 |
| Net loans and leases to total assets | 83.7805% | 388 |
| Net loans and leases to deposits | 104.3622% | 386 |
| Net loans and leases to core deposits | 115.1317% | 627 |
| Total domestic deposits to total assets | 80.2787% | 4,563 |
| Equity capital to assets | 10.0176% | 3,733 |
| Core capital (leverage) ratio | 10.1415% | 3,323 |
| Tier 1 risk-based capital ratio | 11.8440% | 4,817 |
| Total risk-based capital ratio | 13.0976% | 4,724 |
| Memoranda: | ||
| Average total assets | $1,168,928,500 | 640 |
| Average earning assets | $1,102,528,500 | 631 |
| Average equity | $116,988,000 | 704 |
| Average total loans | $978,741,500 | 554 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 1,624 |
| Cost of funding earning assets | 0.7027% | 799 |
| Net interest margin | 3.7699% | 2,433 |
| Noninterest income to average assets | 0.7269% | 2,045 |
| Noninterest expense to average assets | 2.3057% | 4,545 |
| Loan and lease loss provision to assets | 0.3192% | 577 |
| Net operating income to assets | 1.1554% | 1,673 |
| Return on assets (ROA) | 1.1574% | 1,755 |
| Pretax return on assets | 1.6504% | 1,130 |
| Return on Equity (ROE) | 11.1716% | 1,516 |
| Retained earnings to average equity (ytd only) | 8.8876% | 610 |
| Net charge-offs to loans | 0.4414% | 574 |
| Credit loss provision to net charge-offs | 86.6617% | 2,860 |
| Earnings coverage of net charge-offs (x) | 5.3398% | 3,354 |
| Efficiency ratio | 53.9653% | 5,245 |
| Assets per employee ($millions) | 5.9697% | 1,503 |
| Cash dividends to net income (ytd only)* | 20.4444% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 1,591 |
| Loan loss allowance to noncurrent loans | 615.8994% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 4,402 |
| Noncurrent loans to loans | 0.2472% | 4,269 |
| Net loans and leases to total assets | 81.1267% | 728 |
| Net loans and leases to deposits | 101.1715% | 589 |
| Net loans and leases to core deposits | 112.3630% | 764 |
| Total domestic deposits to total assets | 80.1873% | 4,532 |
| Equity capital to assets | 9.9984% | 3,728 |
| Core capital (leverage) ratio | 10.0557% | 3,420 |
| Tier 1 risk-based capital ratio | 12.4566% | 4,399 |
| Total risk-based capital ratio | 13.7106% | 4,294 |
| Memoranda: | ||
| Average total assets | $1,084,867,400 | 663 |
| Average earning assets | $1,020,358,800 | 645 |
| Average equity | $112,392,400 | 712 |
| Average total loans | $905,209,800 | 560 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 1,631 |
| Cost of funding earning assets | 0.6884% | 862 |
| Net interest margin | 3.7814% | 2,405 |
| Noninterest income to average assets | 0.7302% | 2,045 |
| Noninterest expense to average assets | 2.2111% | 4,738 |
| Loan and lease loss provision to assets | 0.3127% | 534 |
| Net operating income to assets | 1.2079% | 1,620 |
| Return on assets (ROA) | 1.2105% | 1,704 |
| Pretax return on assets | 1.7655% | 965 |
| Return on Equity (ROE) | 11.5757% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.3095% | 386 |
| Net charge-offs to loans | 0.5190% | 405 |
| Credit loss provision to net charge-offs | 71.9621% | 2,760 |
| Earnings coverage of net charge-offs (x) | 4.7739% | 3,223 |
| Efficiency ratio | 51.5934% | 5,408 |
| Assets per employee ($millions) | 5.6802% | 1,689 |
| Cash dividends to net income (ytd only)* | 2.2997% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,914 |
| Loan loss allowance to noncurrent loans | 787.2962% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,785 |
| Noncurrent loans to loans | 0.1859% | 4,602 |
| Net loans and leases to total assets | 83.0071% | 510 |
| Net loans and leases to deposits | 106.9964% | 342 |
| Net loans and leases to core deposits | 118.9732% | 541 |
| Total domestic deposits to total assets | 77.5793% | 4,988 |
| Equity capital to assets | 10.2610% | 3,845 |
| Core capital (leverage) ratio | 10.3819% | 3,125 |
| Tier 1 risk-based capital ratio | 12.3988% | 4,537 |
| Total risk-based capital ratio | 13.6523% | 4,432 |
| Memoranda: | ||
| Average total assets | $1,068,046,250 | 674 |
| Average earning assets | $1,004,215,750 | 661 |
| Average equity | $111,691,250 | 720 |
| Average total loans | $894,224,250 | 563 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4399% | 1,711 |
| Cost of funding earning assets | 0.6841% | 867 |
| Net interest margin | 3.7558% | 2,495 |
| Noninterest income to average assets | 0.7437% | 1,957 |
| Noninterest expense to average assets | 2.2918% | 4,632 |
| Loan and lease loss provision to assets | 0.2686% | 693 |
| Net operating income to assets | 1.1740% | 1,689 |
| Return on assets (ROA) | 1.1755% | 1,782 |
| Pretax return on assets | 1.7127% | 1,061 |
| Return on Equity (ROE) | 11.1643% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.9608% | 443 |
| Net charge-offs to loans | 0.7340% | 280 |
| Credit loss provision to net charge-offs | 43.8066% | 2,735 |
| Earnings coverage of net charge-offs (x) | 3.2278% | 3,146 |
| Efficiency ratio | 53.6597% | 5,338 |
| Assets per employee ($millions) | 5.2942% | 1,988 |
| Cash dividends to net income (ytd only)* | 1.8229% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 2,104 |
| Loan loss allowance to noncurrent loans | 742.5352% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,780 |
| Noncurrent loans to loans | 0.1939% | 4,658 |
| Net loans and leases to total assets | 82.7072% | 549 |
| Net loans and leases to deposits | 104.4387% | 440 |
| Net loans and leases to core deposits | 115.7731% | 646 |
| Total domestic deposits to total assets | 79.1921% | 4,735 |
| Equity capital to assets | 10.3924% | 3,749 |
| Core capital (leverage) ratio | 10.6466% | 2,798 |
| Tier 1 risk-based capital ratio | 12.6213% | 4,434 |
| Total risk-based capital ratio | 13.8749% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,045,380,330 | 690 |
| Average earning assets | $981,786,330 | 677 |
| Average equity | $110,065,000 | 732 |
| Average total loans | $873,298,000 | 574 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,619 |
| Cost of funding earning assets | 0.6983% | 812 |
| Net interest margin | 3.7644% | 2,423 |
| Noninterest income to average assets | 0.7321% | 1,893 |
| Noninterest expense to average assets | 2.2218% | 4,855 |
| Loan and lease loss provision to assets | 0.3504% | 427 |
| Net operating income to assets | 1.1490% | 1,713 |
| Return on assets (ROA) | 1.1506% | 1,824 |
| Pretax return on assets | 1.6915% | 1,086 |
| Return on Equity (ROE) | 10.8534% | 1,649 |
| Retained earnings to average equity (ytd only) | 10.8534% | 677 |
| Net charge-offs to loans | 0.6265% | 354 |
| Credit loss provision to net charge-offs | 67.1161% | 1,922 |
| Earnings coverage of net charge-offs (x) | 3.9064% | 2,486 |
| Efficiency ratio | 52.1384% | 5,508 |
| Assets per employee ($millions) | 5.0421% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 1,389 |
| Loan loss allowance to noncurrent loans | 373.8560% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,990 |
| Noncurrent loans to loans | 0.4519% | 3,823 |
| Net loans and leases to total assets | 81.8780% | 571 |
| Net loans and leases to deposits | 101.3049% | 542 |
| Net loans and leases to core deposits | 111.2477% | 793 |
| Total domestic deposits to total assets | 80.8233% | 4,548 |
| Equity capital to assets | 10.6386% | 3,325 |
| Core capital (leverage) ratio | 10.7050% | 2,721 |
| Tier 1 risk-based capital ratio | 12.8358% | 4,369 |
| Total risk-based capital ratio | 14.0917% | 4,273 |
| Memoranda: | ||
| Average total assets | $1,022,763,500 | 705 |
| Average earning assets | $958,870,000 | 694 |
| Average equity | $108,427,000 | 748 |
| Average total loans | $852,349,000 | 583 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 1,549 |
| Cost of funding earning assets | 0.6680% | 972 |
| Net interest margin | 3.8460% | 2,214 |
| Noninterest income to average assets | 0.8382% | 1,647 |
| Noninterest expense to average assets | 2.4594% | 4,359 |
| Loan and lease loss provision to assets | 0.3664% | 389 |
| Net operating income to assets | 1.1076% | 1,886 |
| Return on assets (ROA) | 1.1090% | 1,948 |
| Pretax return on assets | 1.6279% | 1,174 |
| Return on Equity (ROE) | 10.0850% | 1,979 |
| Retained earnings to average equity (ytd only) | 7.6091% | 1,059 |
| Net charge-offs to loans | 0.1270% | 2,105 |
| Credit loss provision to net charge-offs | 352.1916% | 848 |
| Earnings coverage of net charge-offs (x) | 19.1468% | 1,969 |
| Efficiency ratio | 55.2477% | 5,413 |
| Assets per employee ($millions) | 4.9603% | 2,411 |
| Cash dividends to net income (ytd only)* | 24.5505% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 1,181 |
| Loan loss allowance to noncurrent loans | 397.3217% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 4,026 |
| Noncurrent loans to loans | 0.4469% | 3,871 |
| Net loans and leases to total assets | 81.9112% | 605 |
| Net loans and leases to deposits | 102.4474% | 519 |
| Net loans and leases to core deposits | 111.8864% | 782 |
| Total domestic deposits to total assets | 79.9544% | 4,756 |
| Equity capital to assets | 10.5634% | 3,292 |
| Core capital (leverage) ratio | 10.4660% | 2,965 |
| Tier 1 risk-based capital ratio | 12.9588% | 4,353 |
| Total risk-based capital ratio | 14.2164% | 4,250 |
| Memoranda: | ||
| Average total assets | $942,834,800 | 732 |
| Average earning assets | $885,796,800 | 717 |
| Average equity | $103,678,800 | 744 |
| Average total loans | $772,628,600 | 600 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4818% | 1,653 |
| Cost of funding earning assets | 0.6631% | 1,012 |
| Net interest margin | 3.8186% | 2,311 |
| Noninterest income to average assets | 0.8388% | 1,658 |
| Noninterest expense to average assets | 2.3290% | 4,708 |
| Loan and lease loss provision to assets | 0.3316% | 419 |
| Net operating income to assets | 1.1616% | 1,790 |
| Return on assets (ROA) | 1.1632% | 1,851 |
| Pretax return on assets | 1.7700% | 952 |
| Return on Equity (ROE) | 10.4654% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.1764% | 603 |
| Net charge-offs to loans | 0.1067% | 2,064 |
| Credit loss provision to net charge-offs | 381.1258% | 791 |
| Earnings coverage of net charge-offs (x) | 24.1259% | 1,705 |
| Efficiency ratio | 52.5960% | 5,610 |
| Assets per employee ($millions) | 5.0441% | 2,253 |
| Cash dividends to net income (ytd only)* | 2.7616% | 3,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6841% | 1,512 |
| Loan loss allowance to noncurrent loans | 287.4342% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 3,784 |
| Noncurrent loans to loans | 0.5859% | 3,572 |
| Net loans and leases to total assets | 82.2031% | 556 |
| Net loans and leases to deposits | 108.2701% | 298 |
| Net loans and leases to core deposits | 118.9019% | 503 |
| Total domestic deposits to total assets | 75.9240% | 5,497 |
| Equity capital to assets | 10.5823% | 3,505 |
| Core capital (leverage) ratio | 10.9197% | 2,573 |
| Tier 1 risk-based capital ratio | 13.0806% | 4,388 |
| Total risk-based capital ratio | 14.3368% | 4,300 |
| Memoranda: | ||
| Average total assets | $925,570,750 | 753 |
| Average earning assets | $869,990,750 | 734 |
| Average equity | $102,876,000 | 757 |
| Average total loans | $754,827,000 | 620 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 1,684 |
| Cost of funding earning assets | 0.6562% | 1,070 |
| Net interest margin | 3.7970% | 2,326 |
| Noninterest income to average assets | 0.8460% | 1,617 |
| Noninterest expense to average assets | 2.3152% | 4,806 |
| Loan and lease loss provision to assets | 0.3415% | 392 |
| Net operating income to assets | 1.1596% | 1,747 |
| Return on assets (ROA) | 1.1610% | 1,811 |
| Pretax return on assets | 1.7647% | 950 |
| Return on Equity (ROE) | 10.2616% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.0411% | 653 |
| Net charge-offs to loans | 0.0965% | 2,050 |
| Credit loss provision to net charge-offs | 438.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 26.9857% | 1,462 |
| Efficiency ratio | 52.3894% | 5,681 |
| Assets per employee ($millions) | 5.0066% | 2,267 |
| Cash dividends to net income (ytd only)* | 2.1489% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7576% | 1,476 |
| Loan loss allowance to noncurrent loans | 464.2930% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 4,667 |
| Noncurrent loans to loans | 0.3785% | 4,348 |
| Net loans and leases to total assets | 77.9926% | 1,067 |
| Net loans and leases to deposits | 102.0994% | 546 |
| Net loans and leases to core deposits | 112.4367% | 731 |
| Total domestic deposits to total assets | 76.3889% | 5,546 |
| Equity capital to assets | 10.5771% | 3,362 |
| Core capital (leverage) ratio | 11.4051% | 2,068 |
| Tier 1 risk-based capital ratio | 13.6763% | 4,111 |
| Total risk-based capital ratio | 14.9333% | 4,043 |
| Memoranda: | ||
| Average total assets | $897,821,000 | 781 |
| Average earning assets | $844,886,670 | 760 |
| Average equity | $101,582,670 | 766 |
| Average total loans | $725,274,000 | 647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 1,531 |
| Cost of funding earning assets | 0.6504% | 1,116 |
| Net interest margin | 3.8248% | 2,151 |
| Noninterest income to average assets | 0.7892% | 1,752 |
| Noninterest expense to average assets | 2.4110% | 4,563 |
| Loan and lease loss provision to assets | 0.3285% | 414 |
| Net operating income to assets | 1.1279% | 1,761 |
| Return on assets (ROA) | 1.1289% | 1,864 |
| Pretax return on assets | 1.6564% | 1,144 |
| Return on Equity (ROE) | 9.6180% | 2,173 |
| Retained earnings to average equity (ytd only) | 9.6180% | 1,016 |
| Net charge-offs to loans | 0.0418% | 2,400 |
| Credit loss provision to net charge-offs | 963.0137% | 350 |
| Earnings coverage of net charge-offs (x) | 58.1507% | 759 |
| Efficiency ratio | 54.8644% | 5,606 |
| Assets per employee ($millions) | 4.6569% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 1,374 |
| Loan loss allowance to noncurrent loans | 558.8686% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 4,820 |
| Noncurrent loans to loans | 0.3327% | 4,599 |
| Net loans and leases to total assets | 80.5032% | 634 |
| Net loans and leases to deposits | 97.1925% | 751 |
| Net loans and leases to core deposits | 107.2794% | 856 |
| Total domestic deposits to total assets | 82.8286% | 4,225 |
| Equity capital to assets | 11.8063% | 2,188 |
| Core capital (leverage) ratio | 12.0449% | 1,614 |
| Tier 1 risk-based capital ratio | 14.7021% | 3,607 |
| Total risk-based capital ratio | 15.9605% | 3,527 |
| Memoranda: | ||
| Average total assets | $856,086,500 | 816 |
| Average earning assets | $806,936,500 | 787 |
| Average equity | $100,478,000 | 774 |
| Average total loans | $698,398,000 | 662 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 1,451 |
| Cost of funding earning assets | 0.6990% | 1,117 |
| Net interest margin | 3.9392% | 2,089 |
| Noninterest income to average assets | 0.8718% | 1,599 |
| Noninterest expense to average assets | 2.5387% | 4,425 |
| Loan and lease loss provision to assets | 0.3206% | 620 |
| Net operating income to assets | 1.2502% | 1,430 |
| Return on assets (ROA) | 1.2515% | 1,489 |
| Pretax return on assets | 1.7703% | 848 |
| Return on Equity (ROE) | 10.4005% | 1,957 |
| Retained earnings to average equity (ytd only) | 7.7345% | 1,116 |
| Net charge-offs to loans | 0.1523% | 2,515 |
| Credit loss provision to net charge-offs | 260.6707% | 985 |
| Earnings coverage of net charge-offs (x) | 16.9878% | 1,968 |
| Efficiency ratio | 54.8582% | 5,774 |
| Assets per employee ($millions) | 4.9456% | 2,389 |
| Cash dividends to net income (ytd only)* | 25.6341% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 1,508 |
| Loan loss allowance to noncurrent loans | 494.6224% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 4,822 |
| Noncurrent loans to loans | 0.3665% | 4,554 |
| Net loans and leases to total assets | 79.6561% | 784 |
| Net loans and leases to deposits | 102.5839% | 490 |
| Net loans and leases to core deposits | 113.9683% | 607 |
| Total domestic deposits to total assets | 77.6497% | 5,500 |
| Equity capital to assets | 11.6666% | 2,286 |
| Core capital (leverage) ratio | 11.5872% | 1,909 |
| Tier 1 risk-based capital ratio | 14.8766% | 3,552 |
| Total risk-based capital ratio | 16.1346% | 3,484 |
| Memoranda: | ||
| Average total assets | $800,166,000 | 845 |
| Average earning assets | $762,952,600 | 802 |
| Average equity | $96,283,400 | 764 |
| Average total loans | $646,287,400 | 670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,517 |
| Cost of funding earning assets | 0.7050% | 1,129 |
| Net interest margin | 3.9145% | 2,179 |
| Noninterest income to average assets | 0.8805% | 1,589 |
| Noninterest expense to average assets | 2.3177% | 5,061 |
| Loan and lease loss provision to assets | 0.3012% | 653 |
| Net operating income to assets | 1.3412% | 1,265 |
| Return on assets (ROA) | 1.3425% | 1,319 |
| Pretax return on assets | 2.0052% | 557 |
| Return on Equity (ROE) | 11.0662% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.7550% | 556 |
| Net charge-offs to loans | 0.1465% | 2,331 |
| Credit loss provision to net charge-offs | 254.8711% | 1,035 |
| Earnings coverage of net charge-offs (x) | 19.5001% | 1,778 |
| Efficiency ratio | 50.1447% | 6,094 |
| Assets per employee ($millions) | 4.9339% | 2,327 |
| Cash dividends to net income (ytd only)* | 2.8121% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 1,905 |
| Loan loss allowance to noncurrent loans | 461.5296% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 5,029 |
| Noncurrent loans to loans | 0.3732% | 4,792 |
| Net loans and leases to total assets | 80.7384% | 636 |
| Net loans and leases to deposits | 105.8781% | 332 |
| Net loans and leases to core deposits | 118.1013% | 433 |
| Total domestic deposits to total assets | 76.2560% | 5,779 |
| Equity capital to assets | 11.7380% | 2,275 |
| Core capital (leverage) ratio | 11.8846% | 1,768 |
| Tier 1 risk-based capital ratio | 14.9170% | 3,638 |
| Total risk-based capital ratio | 16.1736% | 3,562 |
| Memoranda: | ||
| Average total assets | $787,547,000 | 860 |
| Average earning assets | $752,731,500 | 817 |
| Average equity | $95,544,000 | 770 |
| Average total loans | $635,335,000 | 683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,592 |
| Cost of funding earning assets | 0.7161% | 1,110 |
| Net interest margin | 3.8607% | 2,328 |
| Noninterest income to average assets | 0.8694% | 1,594 |
| Noninterest expense to average assets | 2.3903% | 4,905 |
| Loan and lease loss provision to assets | 0.2693% | 774 |
| Net operating income to assets | 1.2612% | 1,415 |
| Return on assets (ROA) | 1.2623% | 1,477 |
| Pretax return on assets | 1.9049% | 679 |
| Return on Equity (ROE) | 10.2816% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.0437% | 706 |
| Net charge-offs to loans | 0.1575% | 2,133 |
| Credit loss provision to net charge-offs | 213.4298% | 1,110 |
| Earnings coverage of net charge-offs (x) | 17.2190% | 1,744 |
| Efficiency ratio | 52.3853% | 6,037 |
| Assets per employee ($millions) | 4.8321% | 2,429 |
| Cash dividends to net income (ytd only)* | 2.3131% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 1,997 |
| Loan loss allowance to noncurrent loans | 509.1837% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 5,233 |
| Noncurrent loans to loans | 0.3422% | 4,985 |
| Net loans and leases to total assets | 80.2134% | 663 |
| Net loans and leases to deposits | 105.3151% | 322 |
| Net loans and leases to core deposits | 113.7610% | 546 |
| Total domestic deposits to total assets | 76.1651% | 5,897 |
| Equity capital to assets | 11.9770% | 2,005 |
| Core capital (leverage) ratio | 12.3210% | 1,487 |
| Tier 1 risk-based capital ratio | 15.2303% | 3,505 |
| Total risk-based capital ratio | 16.4878% | 3,451 |
| Memoranda: | ||
| Average total assets | $767,187,000 | 886 |
| Average earning assets | $733,953,670 | 837 |
| Average equity | $94,188,000 | 773 |
| Average total loans | $614,721,000 | 702 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,595 |
| Cost of funding earning assets | 0.7364% | 1,038 |
| Net interest margin | 3.8306% | 2,339 |
| Noninterest income to average assets | 0.8548% | 1,538 |
| Noninterest expense to average assets | 2.4932% | 4,647 |
| Loan and lease loss provision to assets | 0.1927% | 1,227 |
| Net operating income to assets | 1.2436% | 1,363 |
| Return on assets (ROA) | 1.2439% | 1,419 |
| Pretax return on assets | 1.8338% | 762 |
| Return on Equity (ROE) | 10.0003% | 2,037 |
| Retained earnings to average equity (ytd only) | 10.0003% | 959 |
| Net charge-offs to loans | 0.1761% | 1,666 |
| Credit loss provision to net charge-offs | 137.9310% | 1,322 |
| Earnings coverage of net charge-offs (x) | 14.5019% | 1,601 |
| Efficiency ratio | 55.1700% | 5,909 |
| Assets per employee ($millions) | 4.6260% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 1,918 |
| Loan loss allowance to noncurrent loans | 461.7672% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 5,175 |
| Noncurrent loans to loans | 0.3993% | 4,937 |
| Net loans and leases to total assets | 78.3345% | 729 |
| Net loans and leases to deposits | 94.9951% | 720 |
| Net loans and leases to core deposits | 100.4614% | 1,069 |
| Total domestic deposits to total assets | 82.4617% | 4,799 |
| Equity capital to assets | 12.5640% | 1,540 |
| Core capital (leverage) ratio | 12.6237% | 1,327 |
| Tier 1 risk-based capital ratio | 15.9034% | 3,215 |
| Total risk-based capital ratio | 17.1618% | 3,168 |
| Memoranda: | ||
| Average total assets | $747,298,500 | 912 |
| Average earning assets | $714,874,000 | 867 |
| Average equity | $92,957,000 | 784 |
| Average total loans | $592,696,500 | 736 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,551 |
| Cost of funding earning assets | 0.8913% | 774 |
| Net interest margin | 3.8164% | 2,595 |
| Noninterest income to average assets | 0.9369% | 1,558 |
| Noninterest expense to average assets | 2.4773% | 4,840 |
| Loan and lease loss provision to assets | 0.2499% | 1,445 |
| Net operating income to assets | 1.2766% | 1,313 |
| Return on assets (ROA) | 1.2783% | 1,358 |
| Pretax return on assets | 1.8667% | 653 |
| Return on Equity (ROE) | 10.5379% | 1,911 |
| Retained earnings to average equity (ytd only) | 9.9355% | 570 |
| Net charge-offs to loans | 0.2408% | 2,530 |
| Credit loss provision to net charge-offs | 136.5616% | 1,714 |
| Earnings coverage of net charge-offs (x) | 11.5533% | 2,226 |
| Efficiency ratio | 53.9569% | 6,139 |
| Assets per employee ($millions) | 4.6867% | 2,608 |
| Cash dividends to net income (ytd only)* | 5.7167% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8608% | 1,890 |
| Loan loss allowance to noncurrent loans | 635.7766% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2536% | 5,500 |
| Noncurrent loans to loans | 0.2927% | 5,306 |
| Net loans and leases to total assets | 77.3484% | 909 |
| Net loans and leases to deposits | 94.2956% | 858 |
| Net loans and leases to core deposits | 99.6327% | 1,185 |
| Total domestic deposits to total assets | 82.0276% | 4,865 |
| Equity capital to assets | 12.3135% | 1,619 |
| Core capital (leverage) ratio | 12.3145% | 1,442 |
| Tier 1 risk-based capital ratio | 16.1187% | 3,051 |
| Total risk-based capital ratio | 17.3775% | 2,993 |
| Memoranda: | ||
| Average total assets | $727,970,800 | 912 |
| Average earning assets | $697,062,200 | 871 |
| Average equity | $88,309,600 | 797 |
| Average total loans | $553,253,600 | 760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,646 |
| Cost of funding earning assets | 0.9263% | 720 |
| Net interest margin | 3.7557% | 2,818 |
| Noninterest income to average assets | 0.9264% | 1,670 |
| Noninterest expense to average assets | 2.2384% | 5,511 |
| Loan and lease loss provision to assets | 0.2461% | 1,451 |
| Net operating income to assets | 1.3857% | 1,136 |
| Return on assets (ROA) | 1.3885% | 1,176 |
| Pretax return on assets | 2.0444% | 524 |
| Return on Equity (ROE) | 11.4901% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.4901% | 503 |
| Net charge-offs to loans | 0.2475% | 2,326 |
| Credit loss provision to net charge-offs | 132.1464% | 1,788 |
| Earnings coverage of net charge-offs (x) | 12.2749% | 2,150 |
| Efficiency ratio | 49.4686% | 6,426 |
| Assets per employee ($millions) | 4.6991% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,256.2427% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 6,000 |
| Noncurrent loans to loans | 0.1457% | 5,886 |
| Net loans and leases to total assets | 77.7833% | 771 |
| Net loans and leases to deposits | 99.1234% | 507 |
| Net loans and leases to core deposits | 103.6657% | 895 |
| Total domestic deposits to total assets | 78.4711% | 5,829 |
| Equity capital to assets | 12.1900% | 1,789 |
| Core capital (leverage) ratio | 12.3119% | 1,513 |
| Tier 1 risk-based capital ratio | 15.9601% | 3,216 |
| Total risk-based capital ratio | 17.2183% | 3,167 |
| Memoranda: | ||
| Average total assets | $723,665,500 | 925 |
| Average earning assets | $693,368,500 | 876 |
| Average equity | $87,447,250 | 812 |
| Average total loans | $544,736,250 | 774 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,800 |
| Cost of funding earning assets | 0.9538% | 705 |
| Net interest margin | 3.6620% | 3,125 |
| Noninterest income to average assets | 0.9303% | 1,719 |
| Noninterest expense to average assets | 2.2476% | 5,506 |
| Loan and lease loss provision to assets | 0.2442% | 1,526 |
| Net operating income to assets | 1.3280% | 1,247 |
| Return on assets (ROA) | 1.3295% | 1,326 |
| Pretax return on assets | 1.9495% | 667 |
| Return on Equity (ROE) | 11.0358% | 1,801 |
| Retained earnings to average equity (ytd only) | 11.0358% | 635 |
| Net charge-offs to loans | 0.2146% | 2,475 |
| Credit loss provision to net charge-offs | 153.9543% | 1,502 |
| Earnings coverage of net charge-offs (x) | 13.8155% | 1,870 |
| Efficiency ratio | 50.6312% | 6,378 |
| Assets per employee ($millions) | 4.5293% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 2,007 |
| Loan loss allowance to noncurrent loans | 533.9295% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 5,521 |
| Noncurrent loans to loans | 0.3622% | 5,371 |
| Net loans and leases to total assets | 76.1567% | 973 |
| Net loans and leases to deposits | 92.3927% | 925 |
| Net loans and leases to core deposits | 96.7817% | 1,290 |
| Total domestic deposits to total assets | 82.4272% | 4,901 |
| Equity capital to assets | 12.3434% | 1,680 |
| Core capital (leverage) ratio | 12.0818% | 1,576 |
| Tier 1 risk-based capital ratio | 16.1638% | 3,110 |
| Total risk-based capital ratio | 17.4235% | 3,055 |
| Memoranda: | ||
| Average total assets | $717,401,330 | 930 |
| Average earning assets | $687,376,330 | 885 |
| Average equity | $86,427,670 | 821 |
| Average total loans | $530,223,670 | 785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,871 |
| Cost of funding earning assets | 0.9647% | 728 |
| Net interest margin | 3.6215% | 3,179 |
| Noninterest income to average assets | 0.8810% | 1,826 |
| Noninterest expense to average assets | 2.2103% | 5,661 |
| Loan and lease loss provision to assets | 0.2445% | 1,472 |
| Net operating income to assets | 1.3023% | 1,269 |
| Return on assets (ROA) | 1.3053% | 1,366 |
| Pretax return on assets | 1.8990% | 741 |
| Return on Equity (ROE) | 10.9694% | 1,721 |
| Retained earnings to average equity (ytd only) | 10.9694% | 885 |
| Net charge-offs to loans | 0.0587% | 3,235 |
| Credit loss provision to net charge-offs | 577.6316% | 469 |
| Earnings coverage of net charge-offs (x) | 50.5395% | 672 |
| Efficiency ratio | 50.8195% | 6,450 |
| Assets per employee ($millions) | 4.7357% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 1,739 |
| Loan loss allowance to noncurrent loans | 817.8653% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 5,952 |
| Noncurrent loans to loans | 0.2599% | 5,758 |
| Net loans and leases to total assets | 68.2081% | 1,970 |
| Net loans and leases to deposits | 82.3035% | 1,783 |
| Net loans and leases to core deposits | 86.2152% | 2,086 |
| Total domestic deposits to total assets | 82.8738% | 4,898 |
| Equity capital to assets | 11.8761% | 2,123 |
| Core capital (leverage) ratio | 11.7972% | 1,678 |
| Tier 1 risk-based capital ratio | 16.7271% | 2,895 |
| Total risk-based capital ratio | 17.9878% | 2,859 |
| Memoranda: | ||
| Average total assets | $718,284,500 | 938 |
| Average earning assets | $687,895,500 | 893 |
| Average equity | $85,474,500 | 843 |
| Average total loans | $517,459,500 | 817 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1036% | 1,306 |
| Cost of funding earning assets | 1.2031% | 569 |
| Net interest margin | 3.9005% | 2,827 |
| Noninterest income to average assets | 0.9903% | 1,560 |
| Noninterest expense to average assets | 2.3423% | 5,586 |
| Loan and lease loss provision to assets | 0.2408% | 2,723 |
| Net operating income to assets | 1.4284% | 1,051 |
| Return on assets (ROA) | 1.4286% | 1,165 |
| Pretax return on assets | 2.1355% | 462 |
| Return on Equity (ROE) | 12.0763% | 1,488 |
| Retained earnings to average equity (ytd only) | 6.3160% | 1,913 |
| Net charge-offs to loans | 0.1437% | 4,255 |
| Credit loss provision to net charge-offs | 225.2324% | 1,106 |
| Earnings coverage of net charge-offs (x) | 22.2218% | 1,271 |
| Efficiency ratio | 49.6434% | 6,612 |
| Assets per employee ($millions) | 4.7789% | 2,523 |
| Cash dividends to net income (ytd only)* | 47.6990% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 2,064 |
| Loan loss allowance to noncurrent loans | 542.1080% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,789 |
| Noncurrent loans to loans | 0.3657% | 5,572 |
| Net loans and leases to total assets | 72.9895% | 1,334 |
| Net loans and leases to deposits | 88.1475% | 1,255 |
| Net loans and leases to core deposits | 92.1922% | 1,622 |
| Total domestic deposits to total assets | 82.8039% | 4,797 |
| Equity capital to assets | 11.9243% | 2,092 |
| Core capital (leverage) ratio | 11.5623% | 1,834 |
| Tier 1 risk-based capital ratio | 16.0138% | 3,157 |
| Total risk-based capital ratio | 17.2738% | 3,100 |
| Memoranda: | ||
| Average total assets | $704,254,200 | 935 |
| Average earning assets | $673,117,800 | 892 |
| Average equity | $83,312,200 | 844 |
| Average total loans | $524,034,400 | 787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1077% | 1,411 |
| Cost of funding earning assets | 1.2595% | 535 |
| Net interest margin | 3.8482% | 3,128 |
| Noninterest income to average assets | 0.9524% | 1,666 |
| Noninterest expense to average assets | 2.1049% | 6,149 |
| Loan and lease loss provision to assets | 0.2674% | 2,437 |
| Net operating income to assets | 1.5015% | 1,018 |
| Return on assets (ROA) | 1.5010% | 1,129 |
| Pretax return on assets | 2.2580% | 431 |
| Return on Equity (ROE) | 12.7140% | 1,408 |
| Retained earnings to average equity (ytd only) | 12.3560% | 472 |
| Net charge-offs to loans | 0.1572% | 3,864 |
| Credit loss provision to net charge-offs | 228.6872% | 1,210 |
| Earnings coverage of net charge-offs (x) | 21.6028% | 1,396 |
| Efficiency ratio | 45.4512% | 6,847 |
| Assets per employee ($millions) | 4.9905% | 2,206 |
| Cash dividends to net income (ytd only)* | 2.8157% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,613 |
| Loan loss allowance to noncurrent loans | 912.3227% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 6,175 |
| Noncurrent loans to loans | 0.2038% | 6,099 |
| Net loans and leases to total assets | 76.1181% | 958 |
| Net loans and leases to deposits | 95.8844% | 664 |
| Net loans and leases to core deposits | 100.4982% | 1,088 |
| Total domestic deposits to total assets | 79.3853% | 5,785 |
| Equity capital to assets | 12.2020% | 2,113 |
| Core capital (leverage) ratio | 11.9748% | 1,671 |
| Tier 1 risk-based capital ratio | 15.6938% | 3,431 |
| Total risk-based capital ratio | 16.8609% | 3,435 |
| Memoranda: | ||
| Average total assets | $703,500,250 | 944 |
| Average earning assets | $672,512,750 | 904 |
| Average equity | $83,056,000 | 846 |
| Average total loans | $523,374,500 | 792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 1,708 |
| Cost of funding earning assets | 1.3254% | 469 |
| Net interest margin | 3.7047% | 3,793 |
| Noninterest income to average assets | 0.9321% | 1,668 |
| Noninterest expense to average assets | 2.1294% | 6,178 |
| Loan and lease loss provision to assets | 0.2574% | 2,515 |
| Net operating income to assets | 1.3698% | 1,255 |
| Return on assets (ROA) | 1.3686% | 1,422 |
| Pretax return on assets | 2.0882% | 587 |
| Return on Equity (ROE) | 11.7261% | 1,762 |
| Retained earnings to average equity (ytd only) | 11.4520% | 668 |
| Net charge-offs to loans | 0.1578% | 3,661 |
| Credit loss provision to net charge-offs | 222.4691% | 1,277 |
| Earnings coverage of net charge-offs (x) | 20.2889% | 1,393 |
| Efficiency ratio | 47.5656% | 6,804 |
| Assets per employee ($millions) | 4.7533% | 2,500 |
| Cash dividends to net income (ytd only)* | 2.3377% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 2,644 |
| Loan loss allowance to noncurrent loans | 921.8635% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,233 |
| Noncurrent loans to loans | 0.2028% | 6,179 |
| Net loans and leases to total assets | 74.5543% | 1,163 |
| Net loans and leases to deposits | 92.0660% | 944 |
| Net loans and leases to core deposits | 96.4172% | 1,399 |
| Total domestic deposits to total assets | 80.9792% | 5,477 |
| Equity capital to assets | 11.9514% | 2,183 |
| Core capital (leverage) ratio | 11.3608% | 2,000 |
| Tier 1 risk-based capital ratio | 15.6566% | 3,358 |
| Total risk-based capital ratio | 16.9155% | 3,315 |
| Memoranda: | ||
| Average total assets | $700,118,330 | 946 |
| Average earning assets | $669,854,330 | 910 |
| Average equity | $81,715,000 | 849 |
| Average total loans | $513,331,000 | 812 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 1,909 |
| Cost of funding earning assets | 1.3515% | 513 |
| Net interest margin | 3.6424% | 4,078 |
| Noninterest income to average assets | 0.9295% | 1,629 |
| Noninterest expense to average assets | 2.1064% | 6,259 |
| Loan and lease loss provision to assets | 0.2445% | 2,508 |
| Net operating income to assets | 1.2936% | 1,473 |
| Return on assets (ROA) | 1.2903% | 1,649 |
| Pretax return on assets | 2.0554% | 681 |
| Return on Equity (ROE) | 11.1902% | 1,947 |
| Retained earnings to average equity (ytd only) | 11.1902% | 987 |
| Net charge-offs to loans | 0.0621% | 3,877 |
| Credit loss provision to net charge-offs | 547.4359% | 613 |
| Earnings coverage of net charge-offs (x) | 51.6026% | 624 |
| Efficiency ratio | 47.7476% | 6,822 |
| Assets per employee ($millions) | 5.0042% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 2,451 |
| Loan loss allowance to noncurrent loans | 966.2414% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 6,465 |
| Noncurrent loans to loans | 0.2038% | 6,274 |
| Net loans and leases to total assets | 68.0075% | 2,118 |
| Net loans and leases to deposits | 84.7769% | 1,567 |
| Net loans and leases to core deposits | 88.9353% | 1,961 |
| Total domestic deposits to total assets | 80.2194% | 5,802 |
| Equity capital to assets | 11.3103% | 2,617 |
| Core capital (leverage) ratio | 11.3329% | 2,012 |
| Tier 1 risk-based capital ratio | 15.9794% | 3,190 |
| Total risk-based capital ratio | 17.2391% | 3,149 |
| Memoranda: | ||
| Average total assets | $698,437,000 | 948 |
| Average earning assets | $667,684,500 | 913 |
| Average equity | $80,534,500 | 859 |
| Average total loans | $502,762,500 | 824 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 1,019 |
| Cost of funding earning assets | 1.5251% | 648 |
| Net interest margin | 4.0427% | 2,664 |
| Noninterest income to average assets | 0.9835% | 1,411 |
| Noninterest expense to average assets | 2.3374% | 5,952 |
| Loan and lease loss provision to assets | 0.2542% | 3,666 |
| Net operating income to assets | 1.5359% | 770 |
| Return on assets (ROA) | 1.5365% | 833 |
| Pretax return on assets | 2.2367% | 339 |
| Return on Equity (ROE) | 13.3323% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.3932% | 1,320 |
| Net charge-offs to loans | 0.2466% | 4,238 |
| Credit loss provision to net charge-offs | 133.9652% | 2,258 |
| Earnings coverage of net charge-offs (x) | 13.1209% | 1,568 |
| Efficiency ratio | 48.4195% | 6,924 |
| Assets per employee ($millions) | 4.6320% | 2,709 |
| Cash dividends to net income (ytd only)* | 44.5463% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 2,635 |
| Loan loss allowance to noncurrent loans | 492.0725% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 6,204 |
| Noncurrent loans to loans | 0.3817% | 5,949 |
| Net loans and leases to total assets | 73.3609% | 1,385 |
| Net loans and leases to deposits | 92.4334% | 933 |
| Net loans and leases to core deposits | 96.8205% | 1,426 |
| Total domestic deposits to total assets | 79.3662% | 5,902 |
| Equity capital to assets | 11.7655% | 2,293 |
| Core capital (leverage) ratio | 11.2960% | 2,042 |
| Tier 1 risk-based capital ratio | 15.6149% | 3,260 |
| Total risk-based capital ratio | 16.8739% | 3,208 |
| Memoranda: | ||
| Average total assets | $667,095,800 | 972 |
| Average earning assets | $634,302,600 | 937 |
| Average equity | $76,881,000 | 872 |
| Average total loans | $513,296,200 | 810 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 1,089 |
| Cost of funding earning assets | 1.5570% | 706 |
| Net interest margin | 4.0186% | 2,838 |
| Noninterest income to average assets | 0.9552% | 1,468 |
| Noninterest expense to average assets | 2.1393% | 6,430 |
| Loan and lease loss provision to assets | 0.3442% | 2,816 |
| Net operating income to assets | 1.5481% | 854 |
| Return on assets (ROA) | 1.5487% | 927 |
| Pretax return on assets | 2.2905% | 362 |
| Return on Equity (ROE) | 13.5097% | 1,153 |
| Retained earnings to average equity (ytd only) | 11.3701% | 572 |
| Net charge-offs to loans | 0.0631% | 5,337 |
| Credit loss provision to net charge-offs | 703.2787% | 383 |
| Earnings coverage of net charge-offs (x) | 53.8230% | 606 |
| Efficiency ratio | 44.8193% | 7,112 |
| Assets per employee ($millions) | 4.7538% | 2,554 |
| Cash dividends to net income (ytd only)* | 15.8379% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,460 |
| Loan loss allowance to noncurrent loans | 404.4129% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.3919% | 6,092 |
| Noncurrent loans to loans | 0.4836% | 5,882 |
| Net loans and leases to total assets | 77.1864% | 819 |
| Net loans and leases to deposits | 102.4687% | 371 |
| Net loans and leases to core deposits | 108.0957% | 765 |
| Total domestic deposits to total assets | 75.3267% | 6,602 |
| Equity capital to assets | 11.7354% | 2,462 |
| Core capital (leverage) ratio | 11.4760% | 2,036 |
| Tier 1 risk-based capital ratio | 14.7676% | 3,793 |
| Total risk-based capital ratio | 16.0273% | 3,764 |
| Memoranda: | ||
| Average total assets | $664,803,500 | 981 |
| Average earning assets | $631,608,750 | 946 |
| Average equity | $76,209,750 | 890 |
| Average total loans | $515,217,500 | 821 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5215% | 1,252 |
| Cost of funding earning assets | 1.6075% | 673 |
| Net interest margin | 3.9140% | 3,243 |
| Noninterest income to average assets | 0.9450% | 1,484 |
| Noninterest expense to average assets | 2.1938% | 6,399 |
| Loan and lease loss provision to assets | 0.5068% | 1,929 |
| Net operating income to assets | 1.3391% | 1,219 |
| Return on assets (ROA) | 1.3391% | 1,294 |
| Pretax return on assets | 1.9686% | 630 |
| Return on Equity (ROE) | 11.7779% | 1,564 |
| Retained earnings to average equity (ytd only) | 11.4786% | 595 |
| Net charge-offs to loans | -0.0280% | 6,904 |
| Credit loss provision to net charge-offs | -2,349.2958% | 6,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9838% | 7,111 |
| Assets per employee ($millions) | 4.6002% | 2,685 |
| Cash dividends to net income (ytd only)* | 2.5414% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 2,209 |
| Loan loss allowance to noncurrent loans | 548.8065% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 6,249 |
| Noncurrent loans to loans | 0.3755% | 6,151 |
| Net loans and leases to total assets | 76.4700% | 1,010 |
| Net loans and leases to deposits | 100.5688% | 466 |
| Net loans and leases to core deposits | 105.5305% | 957 |
| Total domestic deposits to total assets | 76.0375% | 6,594 |
| Equity capital to assets | 11.5517% | 2,456 |
| Core capital (leverage) ratio | 11.4788% | 1,925 |
| Tier 1 risk-based capital ratio | 14.7548% | 3,646 |
| Total risk-based capital ratio | 16.0164% | 3,604 |
| Memoranda: | ||
| Average total assets | $658,222,330 | 1,000 |
| Average earning assets | $626,310,000 | 957 |
| Average equity | $74,835,000 | 905 |
| Average total loans | $507,318,000 | 849 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4955% | 1,314 |
| Cost of funding earning assets | 1.6563% | 661 |
| Net interest margin | 3.8392% | 3,420 |
| Noninterest income to average assets | 0.9111% | 1,626 |
| Noninterest expense to average assets | 2.2243% | 6,369 |
| Loan and lease loss provision to assets | 0.4912% | 1,786 |
| Net operating income to assets | 1.2654% | 1,353 |
| Return on assets (ROA) | 1.2654% | 1,405 |
| Pretax return on assets | 1.8474% | 743 |
| Return on Equity (ROE) | 11.2224% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.2224% | 857 |
| Net charge-offs to loans | -0.0585% | 6,933 |
| Credit loss provision to net charge-offs | -1,095.8904% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7487% | 7,084 |
| Assets per employee ($millions) | 4.5990% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 2,367 |
| Loan loss allowance to noncurrent loans | 543.1694% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 6,312 |
| Noncurrent loans to loans | 0.3714% | 6,255 |
| Net loans and leases to total assets | 73.4103% | 1,431 |
| Net loans and leases to deposits | 92.4687% | 979 |
| Net loans and leases to core deposits | 97.7735% | 1,547 |
| Total domestic deposits to total assets | 79.3894% | 6,091 |
| Equity capital to assets | 11.3770% | 2,363 |
| Core capital (leverage) ratio | 11.2556% | 2,000 |
| Tier 1 risk-based capital ratio | 15.2048% | 3,314 |
| Total risk-based capital ratio | 16.4654% | 3,266 |
| Memoranda: | ||
| Average total assets | $651,517,500 | 1,019 |
| Average earning assets | $619,712,500 | 978 |
| Average equity | $73,460,000 | 920 |
| Average total loans | $498,775,500 | 882 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8215% | 1,221 |
| Cost of funding earning assets | 1.7883% | 1,216 |
| Net interest margin | 4.0332% | 2,873 |
| Noninterest income to average assets | 0.9061% | 1,834 |
| Noninterest expense to average assets | 2.3439% | 6,229 |
| Loan and lease loss provision to assets | 0.5459% | 2,956 |
| Net operating income to assets | 1.2908% | 1,202 |
| Return on assets (ROA) | 1.2887% | 1,263 |
| Pretax return on assets | 1.8421% | 695 |
| Return on Equity (ROE) | 11.4361% | 1,474 |
| Retained earnings to average equity (ytd only) | 4.8365% | 2,520 |
| Net charge-offs to loans | 0.4043% | 4,021 |
| Credit loss provision to net charge-offs | 174.7520% | 1,916 |
| Earnings coverage of net charge-offs (x) | 7.6533% | 2,091 |
| Efficiency ratio | 49.5025% | 7,166 |
| Assets per employee ($millions) | 4.3903% | 3,049 |
| Cash dividends to net income (ytd only)* | 57.7080% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 2,878 |
| Loan loss allowance to noncurrent loans | 443.8081% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 6,313 |
| Noncurrent loans to loans | 0.4047% | 6,235 |
| Net loans and leases to total assets | 76.8164% | 1,126 |
| Net loans and leases to deposits | 97.7144% | 741 |
| Net loans and leases to core deposits | 103.6561% | 1,333 |
| Total domestic deposits to total assets | 78.6132% | 6,187 |
| Equity capital to assets | 11.1715% | 2,536 |
| Core capital (leverage) ratio | 10.8532% | 2,264 |
| Tier 1 risk-based capital ratio | 14.6437% | 3,454 |
| Total risk-based capital ratio | 15.9014% | 3,413 |
| Memoranda: | ||
| Average total assets | $645,299,400 | 1,035 |
| Average earning assets | $612,592,000 | 988 |
| Average equity | $72,717,400 | 919 |
| Average total loans | $498,624,400 | 899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 1,386 |
| Cost of funding earning assets | 1.8039% | 1,401 |
| Net interest margin | 4.0000% | 3,107 |
| Noninterest income to average assets | 0.8808% | 1,871 |
| Noninterest expense to average assets | 2.1233% | 6,802 |
| Loan and lease loss provision to assets | 0.5599% | 2,707 |
| Net operating income to assets | 1.3739% | 1,156 |
| Return on assets (ROA) | 1.3712% | 1,249 |
| Pretax return on assets | 1.9902% | 628 |
| Return on Equity (ROE) | 12.1415% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.7335% | 491 |
| Net charge-offs to loans | 0.1668% | 4,980 |
| Credit loss provision to net charge-offs | 435.6913% | 690 |
| Earnings coverage of net charge-offs (x) | 19.8731% | 1,191 |
| Efficiency ratio | 45.3947% | 7,411 |
| Assets per employee ($millions) | 4.6503% | 2,682 |
| Cash dividends to net income (ytd only)* | 3.3605% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8530% | 2,622 |
| Loan loss allowance to noncurrent loans | 488.7538% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.3104% | 6,608 |
| Noncurrent loans to loans | 0.3791% | 6,435 |
| Net loans and leases to total assets | 76.8439% | 1,248 |
| Net loans and leases to deposits | 105.4444% | 383 |
| Net loans and leases to core deposits | 111.9572% | 937 |
| Total domestic deposits to total assets | 72.8762% | 7,044 |
| Equity capital to assets | 11.5477% | 2,495 |
| Core capital (leverage) ratio | 11.1916% | 2,136 |
| Tier 1 risk-based capital ratio | 14.8701% | 3,320 |
| Total risk-based capital ratio | 16.1290% | 3,292 |
| Memoranda: | ||
| Average total assets | $645,280,750 | 1,047 |
| Average earning assets | $612,451,250 | 997 |
| Average equity | $72,872,250 | 912 |
| Average total loans | $497,075,500 | 907 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7550% | 1,543 |
| Cost of funding earning assets | 1.8368% | 1,502 |
| Net interest margin | 3.9183% | 3,358 |
| Noninterest income to average assets | 0.8799% | 1,760 |
| Noninterest expense to average assets | 2.1565% | 6,752 |
| Loan and lease loss provision to assets | 0.5499% | 2,575 |
| Net operating income to assets | 1.3050% | 1,291 |
| Return on assets (ROA) | 1.3020% | 1,364 |
| Pretax return on assets | 1.8885% | 752 |
| Return on Equity (ROE) | 11.6201% | 1,552 |
| Retained earnings to average equity (ytd only) | 11.3071% | 592 |
| Net charge-offs to loans | 0.1480% | 4,749 |
| Credit loss provision to net charge-offs | 485.0829% | 766 |
| Earnings coverage of net charge-offs (x) | 21.5497% | 1,171 |
| Efficiency ratio | 46.8886% | 7,399 |
| Assets per employee ($millions) | 4.5262% | 2,834 |
| Cash dividends to net income (ytd only)* | 2.6936% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7603% | 2,852 |
| Loan loss allowance to noncurrent loans | 591.4135% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,740 |
| Noncurrent loans to loans | 0.2977% | 6,633 |
| Net loans and leases to total assets | 76.6663% | 1,353 |
| Net loans and leases to deposits | 103.1741% | 529 |
| Net loans and leases to core deposits | 109.9141% | 1,167 |
| Total domestic deposits to total assets | 74.3077% | 6,941 |
| Equity capital to assets | 11.2702% | 2,616 |
| Core capital (leverage) ratio | 11.1990% | 2,108 |
| Tier 1 risk-based capital ratio | 14.6482% | 3,356 |
| Total risk-based capital ratio | 15.9058% | 3,329 |
| Memoranda: | ||
| Average total assets | $638,707,670 | 1,060 |
| Average earning assets | $606,288,000 | 1,014 |
| Average equity | $71,565,670 | 928 |
| Average total loans | $489,214,000 | 933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7238% | 1,691 |
| Cost of funding earning assets | 1.8795% | 1,538 |
| Net interest margin | 3.8443% | 3,603 |
| Noninterest income to average assets | 0.8365% | 1,857 |
| Noninterest expense to average assets | 2.1532% | 6,798 |
| Loan and lease loss provision to assets | 0.5644% | 2,246 |
| Net operating income to assets | 1.2421% | 1,425 |
| Return on assets (ROA) | 1.2421% | 1,497 |
| Pretax return on assets | 1.7672% | 940 |
| Return on Equity (ROE) | 11.1187% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.1187% | 894 |
| Net charge-offs to loans | 0.0292% | 5,161 |
| Credit loss provision to net charge-offs | 2,548.5714% | 201 |
| Earnings coverage of net charge-offs (x) | 105.2857% | 309 |
| Efficiency ratio | 48.0107% | 7,438 |
| Assets per employee ($millions) | 4.3493% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 2,874 |
| Loan loss allowance to noncurrent loans | 456.4534% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 6,584 |
| Noncurrent loans to loans | 0.3848% | 6,509 |
| Net loans and leases to total assets | 74.6459% | 1,819 |
| Net loans and leases to deposits | 94.4810% | 1,298 |
| Net loans and leases to core deposits | 101.0030% | 2,032 |
| Total domestic deposits to total assets | 79.0063% | 6,078 |
| Equity capital to assets | 11.3557% | 2,463 |
| Core capital (leverage) ratio | 11.0406% | 2,205 |
| Tier 1 risk-based capital ratio | 14.8392% | 3,189 |
| Total risk-based capital ratio | 16.0959% | 3,143 |
| Memoranda: | ||
| Average total assets | $632,172,000 | 1,094 |
| Average earning assets | $599,949,500 | 1,045 |
| Average equity | $70,620,000 | 938 |
| Average total loans | $479,496,500 | 985 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9324% | 2,119 |
| Cost of funding earning assets | 2.2083% | 1,990 |
| Net interest margin | 3.7241% | 4,028 |
| Noninterest income to average assets | 0.8885% | 1,988 |
| Noninterest expense to average assets | 2.3206% | 6,691 |
| Loan and lease loss provision to assets | 0.6033% | 3,380 |
| Net operating income to assets | 1.0455% | 1,688 |
| Return on assets (ROA) | 1.0472% | 1,717 |
| Pretax return on assets | 1.4935% | 1,201 |
| Return on Equity (ROE) | 9.6151% | 1,812 |
| Retained earnings to average equity (ytd only) | 5.7918% | 1,431 |
| Net charge-offs to loans | 0.4971% | 3,781 |
| Credit loss provision to net charge-offs | 160.3080% | 2,779 |
| Earnings coverage of net charge-offs (x) | 5.5654% | 2,559 |
| Efficiency ratio | 52.5629% | 7,344 |
| Assets per employee ($millions) | 4.3703% | 3,162 |
| Cash dividends to net income (ytd only)* | 39.7633% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 3,372 |
| Loan loss allowance to noncurrent loans | 466.6667% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,677 |
| Noncurrent loans to loans | 0.3376% | 6,603 |
| Net loans and leases to total assets | 74.5252% | 2,138 |
| Net loans and leases to deposits | 95.9595% | 1,335 |
| Net loans and leases to core deposits | 122.1296% | 1,768 |
| Total domestic deposits to total assets | 77.6632% | 6,308 |
| Equity capital to assets | 10.9873% | 2,714 |
| Core capital (leverage) ratio | 10.6634% | 2,463 |
| Tier 1 risk-based capital ratio | 14.5596% | 3,170 |
| Total risk-based capital ratio | 15.8147% | 3,119 |
| Memoranda: | ||
| Average total assets | $621,299,400 | 1,112 |
| Average earning assets | $588,327,600 | 1,069 |
| Average equity | $67,664,600 | 975 |
| Average total loans | $470,355,800 | 1,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 2,370 |
| Cost of funding earning assets | 2.2760% | 2,087 |
| Net interest margin | 3.6412% | 4,318 |
| Noninterest income to average assets | 0.8886% | 2,034 |
| Noninterest expense to average assets | 2.1908% | 7,002 |
| Loan and lease loss provision to assets | 0.6136% | 2,937 |
| Net operating income to assets | 1.0621% | 1,855 |
| Return on assets (ROA) | 1.0644% | 1,906 |
| Pretax return on assets | 1.5337% | 1,318 |
| Return on Equity (ROE) | 9.7951% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.3128% | 764 |
| Net charge-offs to loans | 0.4712% | 3,341 |
| Credit loss provision to net charge-offs | 172.0073% | 2,698 |
| Earnings coverage of net charge-offs (x) | 6.0103% | 2,685 |
| Efficiency ratio | 50.5398% | 7,513 |
| Assets per employee ($millions) | 4.4099% | 3,012 |
| Cash dividends to net income (ytd only)* | 4.9240% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 3,522 |
| Loan loss allowance to noncurrent loans | 438.9688% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 6,383 |
| Noncurrent loans to loans | 0.3386% | 6,682 |
| Net loans and leases to total assets | 75.9017% | 2,010 |
| Net loans and leases to deposits | 102.7405% | 863 |
| Net loans and leases to core deposits | 132.4765% | 1,309 |
| Total domestic deposits to total assets | 73.8771% | 6,971 |
| Equity capital to assets | 11.0569% | 2,967 |
| Core capital (leverage) ratio | 10.8156% | 2,552 |
| Tier 1 risk-based capital ratio | 14.4294% | 3,314 |
| Total risk-based capital ratio | 15.6835% | 3,258 |
| Memoranda: | ||
| Average total assets | $618,202,000 | 1,135 |
| Average earning assets | $585,108,000 | 1,093 |
| Average equity | $67,174,500 | 997 |
| Average total loans | $467,990,250 | 1,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8650% | 2,740 |
| Cost of funding earning assets | 2.3761% | 2,057 |
| Net interest margin | 3.4889% | 4,848 |
| Noninterest income to average assets | 0.8764% | 2,071 |
| Noninterest expense to average assets | 2.2388% | 6,952 |
| Loan and lease loss provision to assets | 0.5891% | 2,681 |
| Net operating income to assets | 0.9463% | 2,290 |
| Return on assets (ROA) | 0.9497% | 2,375 |
| Pretax return on assets | 1.3500% | 1,873 |
| Return on Equity (ROE) | 8.7941% | 2,427 |
| Retained earnings to average equity (ytd only) | 8.3941% | 1,094 |
| Net charge-offs to loans | 0.4263% | 3,097 |
| Credit loss provision to net charge-offs | 183.6735% | 2,498 |
| Earnings coverage of net charge-offs (x) | 6.0306% | 2,702 |
| Efficiency ratio | 53.6507% | 7,369 |
| Assets per employee ($millions) | 4.1770% | 3,338 |
| Cash dividends to net income (ytd only)* | 4.5486% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 3,373 |
| Loan loss allowance to noncurrent loans | 362.2780% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 6,454 |
| Noncurrent loans to loans | 0.4049% | 6,493 |
| Net loans and leases to total assets | 74.8409% | 2,484 |
| Net loans and leases to deposits | 96.7297% | 1,694 |
| Net loans and leases to core deposits | 123.8708% | 2,038 |
| Total domestic deposits to total assets | 77.3712% | 6,232 |
| Equity capital to assets | 10.8288% | 3,081 |
| Core capital (leverage) ratio | 10.8407% | 2,533 |
| Tier 1 risk-based capital ratio | 14.5422% | 3,222 |
| Total risk-based capital ratio | 15.7960% | 3,159 |
| Memoranda: | ||
| Average total assets | $611,123,000 | 1,169 |
| Average earning assets | $577,423,330 | 1,124 |
| Average equity | $65,998,670 | 1,024 |
| Average total loans | $459,764,670 | 1,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8578% | 2,997 |
| Cost of funding earning assets | 2.4947% | 1,936 |
| Net interest margin | 3.3631% | 5,277 |
| Noninterest income to average assets | 0.8793% | 1,934 |
| Noninterest expense to average assets | 2.2283% | 6,772 |
| Loan and lease loss provision to assets | 0.5946% | 2,114 |
| Net operating income to assets | 0.8739% | 2,823 |
| Return on assets (ROA) | 0.8753% | 2,965 |
| Pretax return on assets | 1.2334% | 2,503 |
| Return on Equity (ROE) | 8.1164% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.1164% | 1,766 |
| Net charge-offs to loans | 0.3900% | 2,537 |
| Credit loss provision to net charge-offs | 203.6199% | 2,184 |
| Earnings coverage of net charge-offs (x) | 6.2534% | 2,523 |
| Efficiency ratio | 54.9617% | 7,106 |
| Assets per employee ($millions) | 4.2342% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 3,169 |
| Loan loss allowance to noncurrent loans | 211.1789% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 5,699 |
| Noncurrent loans to loans | 0.6935% | 5,673 |
| Net loans and leases to total assets | 72.5419% | 3,111 |
| Net loans and leases to deposits | 91.6375% | 2,661 |
| Net loans and leases to core deposits | 117.3358% | 2,655 |
| Total domestic deposits to total assets | 79.1619% | 5,663 |
| Equity capital to assets | 10.8188% | 3,159 |
| Core capital (leverage) ratio | 10.6317% | 2,803 |
| Tier 1 risk-based capital ratio | 14.7505% | 3,182 |
| Total risk-based capital ratio | 16.0040% | 3,111 |
| Memoranda: | ||
| Average total assets | $605,495,000 | 1,181 |
| Average earning assets | $571,614,500 | 1,141 |
| Average equity | $65,300,000 | 1,044 |
| Average total loans | $453,283,000 | 1,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4921% | 2,997 |
| Cost of funding earning assets | 2.8850% | 2,329 |
| Net interest margin | 3.6071% | 4,853 |
| Noninterest income to average assets | 0.8803% | 2,055 |
| Noninterest expense to average assets | 2.2772% | 6,765 |
| Loan and lease loss provision to assets | 0.5106% | 2,768 |
| Net operating income to assets | 1.0288% | 2,433 |
| Return on assets (ROA) | 1.0386% | 2,294 |
| Pretax return on assets | 1.5049% | 1,671 |
| Return on Equity (ROE) | 9.6151% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,167 |
| Net charge-offs to loans | 0.4222% | 2,707 |
| Credit loss provision to net charge-offs | 160.1942% | 3,224 |
| Earnings coverage of net charge-offs (x) | 6.2783% | 3,401 |
| Efficiency ratio | 53.2248% | 7,355 |
| Assets per employee ($millions) | 4.1183% | 3,276 |
| Cash dividends to net income (ytd only)* | 27.7106% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 3,511 |
| Loan loss allowance to noncurrent loans | 262.2601% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 5,904 |
| Noncurrent loans to loans | 0.5124% | 5,817 |
| Net loans and leases to total assets | 75.0976% | 2,855 |
| Net loans and leases to deposits | 94.8488% | 2,642 |
| Net loans and leases to core deposits | 121.7887% | 2,527 |
| Total domestic deposits to total assets | 79.1761% | 5,306 |
| Equity capital to assets | 10.7499% | 3,252 |
| Core capital (leverage) ratio | 10.6085% | 2,899 |
| Tier 1 risk-based capital ratio | 14.5110% | 3,288 |
| Total risk-based capital ratio | 15.7632% | 3,209 |
| Memoranda: | ||
| Average total assets | $581,641,200 | 1,155 |
| Average earning assets | $547,944,800 | 1,124 |
| Average equity | $62,828,000 | 1,071 |
| Average total loans | $439,083,200 | 1,092 |